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$40,639
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,903
−HK$1,285/mo
Today · 4.125%
HK$43,188
baseline
▲ 0.50% · 4.625%
HK$45,816
+HK$2,628/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$86,376/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,211
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,423
−HK$1,230/mo
Today · 4.125%
HK$47,653
baseline
▲ 0.50% · 4.625%
HK$50,165
+HK$2,512/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$95,306/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,767
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,284
−HK$1,541/mo
Today · 4.125%
HK$51,825
baseline
▲ 0.50% · 4.625%
HK$54,979
+HK$3,154/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$103,650/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,253
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,708
−HK$1,476/mo
Today · 4.125%
HK$57,184
baseline
▲ 0.50% · 4.625%
HK$60,198
+HK$3,014/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$114,368/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,895
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,665
−HK$1,798/mo
Today · 4.125%
HK$60,463
baseline
▲ 0.50% · 4.625%
HK$64,142
+HK$3,679/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$120,926/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$668,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,295
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$64,993
−HK$1,722/mo
Today · 4.125%
HK$66,715
baseline
▲ 0.50% · 4.625%
HK$70,231
+HK$3,516/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$133,430/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$668,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,151
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$75,426
−HK$2,312/mo
Today · 4.125%
HK$77,738
baseline
▲ 0.50% · 4.625%
HK$82,468
+HK$4,730/mo
Deposit HK$1.78M · loan HK$16.04M · min. income ≈ HK$155,476/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,334 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,379
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$83,562
−HK$2,214/mo
Today · 4.125%
HK$85,776
baseline
▲ 0.50% · 4.625%
HK$90,297
+HK$4,521/mo
Deposit HK$1.78M · loan HK$16.04M · min. income ≈ HK$171,552/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,334 · Scale 2, in force from 26 Feb 2026)