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$40,645
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,910
−HK$1,284/mo
Today · 4.125%
HK$43,194
baseline
▲ 0.50% · 4.625%
HK$45,823
+HK$2,629/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$86,388/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,218
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,430
−HK$1,231/mo
Today · 4.125%
HK$47,661
baseline
▲ 0.50% · 4.625%
HK$50,173
+HK$2,512/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$95,322/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,775
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,292
−HK$1,541/mo
Today · 4.125%
HK$51,833
baseline
▲ 0.50% · 4.625%
HK$54,987
+HK$3,154/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$103,666/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,261
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,716
−HK$1,477/mo
Today · 4.125%
HK$57,193
baseline
▲ 0.50% · 4.625%
HK$60,207
+HK$3,014/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$114,386/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,904
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,674
−HK$1,798/mo
Today · 4.125%
HK$60,472
baseline
▲ 0.50% · 4.625%
HK$64,152
+HK$3,680/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$120,944/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,305
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$65,003
−HK$1,722/mo
Today · 4.125%
HK$66,725
baseline
▲ 0.50% · 4.625%
HK$70,242
+HK$3,517/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$133,450/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,162
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$75,438
−HK$2,312/mo
Today · 4.125%
HK$77,750
baseline
▲ 0.50% · 4.625%
HK$82,481
+HK$4,731/mo
Deposit HK$1.78M · loan HK$16.04M · min. income ≈ HK$155,500/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,392
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$83,575
−HK$2,214/mo
Today · 4.125%
HK$85,789
baseline
▲ 0.50% · 4.625%
HK$90,311
+HK$4,522/mo
Deposit HK$1.78M · loan HK$16.04M · min. income ≈ HK$171,578/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,436 · Scale 2, in force from 26 Feb 2026)