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$40,627
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,890
−HK$1,284/mo
Today · 4.125%
HK$43,174
baseline
▲ 0.50% · 4.625%
HK$45,801
+HK$2,627/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$86,348/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,197
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,409
−HK$1,229/mo
Today · 4.125%
HK$47,638
baseline
▲ 0.50% · 4.625%
HK$50,150
+HK$2,512/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$95,276/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,752
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$50,268
−HK$1,541/mo
Today · 4.125%
HK$51,809
baseline
▲ 0.50% · 4.625%
HK$54,961
+HK$3,152/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$103,618/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$668,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,236
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,691
−HK$1,475/mo
Today · 4.125%
HK$57,166
baseline
▲ 0.50% · 4.625%
HK$60,179
+HK$3,013/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$114,332/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$668,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,877
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$58,646
−HK$1,798/mo
Today · 4.125%
HK$60,444
baseline
▲ 0.50% · 4.625%
HK$64,122
+HK$3,678/mo
Deposit HK$5.34M · loan HK$12.47M · min. income ≈ HK$120,888/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$668,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,275
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$64,972
−HK$1,722/mo
Today · 4.125%
HK$66,694
baseline
▲ 0.50% · 4.625%
HK$70,209
+HK$3,515/mo
Deposit HK$5.34M · loan HK$12.47M · min. income ≈ HK$133,388/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$668,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,128
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$75,402
−HK$2,312/mo
Today · 4.125%
HK$77,714
baseline
▲ 0.50% · 4.625%
HK$82,442
+HK$4,728/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$155,428/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,125 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,354
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$83,536
−HK$2,213/mo
Today · 4.125%
HK$85,749
baseline
▲ 0.50% · 4.625%
HK$90,269
+HK$4,520/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$171,498/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,125 · Scale 2, in force from 26 Feb 2026)