The H-plan's cap is the P-plan rate, so with HIBOR where it is both price at 4.125% today. The H-plan is only cheaper once 1M HIBOR falls below 2.825%.
If rates change · monthly repayment
LTV
Term
▼ 0.50% · 3.625%
HK$40,617
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,881
−HK$1,283/mo
Today · 4.125%
HK$43,164
baseline
▲ 0.50% · 4.625%
HK$45,791
+HK$2,627/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$86,328/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,186
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,398
−HK$1,229/mo
Today · 4.125%
HK$47,627
baseline
▲ 0.50% · 4.625%
HK$50,138
+HK$2,511/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$95,254/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,741
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,257
−HK$1,540/mo
Today · 4.125%
HK$51,797
baseline
▲ 0.50% · 4.625%
HK$54,949
+HK$3,152/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$103,594/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,223
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,678
−HK$1,475/mo
Today · 4.125%
HK$57,153
baseline
▲ 0.50% · 4.625%
HK$60,166
+HK$3,013/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$114,306/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,864
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,633
−HK$1,797/mo
Today · 4.125%
HK$60,430
baseline
▲ 0.50% · 4.625%
HK$64,107
+HK$3,677/mo
Deposit HK$5.34M · loan HK$12.47M · min. income ≈ HK$120,860/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,261
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,957
−HK$1,721/mo
Today · 4.125%
HK$66,678
baseline
▲ 0.50% · 4.625%
HK$70,193
+HK$3,515/mo
Deposit HK$5.34M · loan HK$12.47M · min. income ≈ HK$133,356/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,111
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,385
−HK$2,311/mo
Today · 4.125%
HK$77,696
baseline
▲ 0.50% · 4.625%
HK$82,423
+HK$4,727/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$155,392/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,970 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,335
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,516
−HK$2,213/mo
Today · 4.125%
HK$85,729
baseline
▲ 0.50% · 4.625%
HK$90,248
+HK$4,519/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$171,458/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,970 · Scale 2, in force from 26 Feb 2026)