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$40,620
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,883
−HK$1,284/mo
Today · 4.125%
HK$43,167
baseline
▲ 0.50% · 4.625%
HK$45,794
+HK$2,627/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$86,334/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$668,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,189
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,401
−HK$1,229/mo
Today · 4.125%
HK$47,630
baseline
▲ 0.50% · 4.625%
HK$50,141
+HK$2,511/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$95,260/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$668,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,744
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,260
−HK$1,540/mo
Today · 4.125%
HK$51,800
baseline
▲ 0.50% · 4.625%
HK$54,952
+HK$3,152/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$103,600/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$668,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,227
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,681
−HK$1,476/mo
Today · 4.125%
HK$57,157
baseline
▲ 0.50% · 4.625%
HK$60,169
+HK$3,012/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$114,314/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$668,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,868
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,637
−HK$1,797/mo
Today · 4.125%
HK$60,434
baseline
▲ 0.50% · 4.625%
HK$64,111
+HK$3,677/mo
Deposit HK$5.34M · loan HK$12.47M · min. income ≈ HK$120,868/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$668,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,265
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,961
−HK$1,722/mo
Today · 4.125%
HK$66,683
baseline
▲ 0.50% · 4.625%
HK$70,198
+HK$3,515/mo
Deposit HK$5.34M · loan HK$12.47M · min. income ≈ HK$133,366/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$668,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,115
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,390
−HK$2,310/mo
Today · 4.125%
HK$77,700
baseline
▲ 0.50% · 4.625%
HK$82,428
+HK$4,728/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$155,400/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,013 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,340
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$83,522
−HK$2,213/mo
Today · 4.125%
HK$85,735
baseline
▲ 0.50% · 4.625%
HK$90,254
+HK$4,519/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$171,470/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,013 · Scale 2, in force from 26 Feb 2026)