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$2,548/mo
▼ 0.25% · 3.875%
HK$41,903
−HK$1,284/mo
Today · 4.125%
HK$43,187
baseline
▲ 0.50% · 4.625%
HK$45,815
+HK$2,628/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$86,374/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,210
−HK$2,443/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$668,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,766
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$50,283
−HK$1,542/mo
Today · 4.125%
HK$51,825
baseline
▲ 0.50% · 4.625%
HK$54,978
+HK$3,153/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$668,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,252
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,707
−HK$1,476/mo
Today · 4.125%
HK$57,183
baseline
▲ 0.50% · 4.625%
HK$60,198
+HK$3,015/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$114,366/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,894
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,664
−HK$1,798/mo
Today · 4.125%
HK$60,462
baseline
▲ 0.50% · 4.625%
HK$64,141
+HK$3,679/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$120,924/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$668,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,294
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$64,992
−HK$1,722/mo
Today · 4.125%
HK$66,714
baseline
▲ 0.50% · 4.625%
HK$70,230
+HK$3,516/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$133,428/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$668,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,150
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$75,425
−HK$2,312/mo
Today · 4.125%
HK$77,737
baseline
▲ 0.50% · 4.625%
HK$82,467
+HK$4,730/mo
Deposit HK$1.78M · loan HK$16.04M · min. income ≈ HK$155,474/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,325 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,378
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$83,561
−HK$2,214/mo
Today · 4.125%
HK$85,775
baseline
▲ 0.50% · 4.625%
HK$90,296
+HK$4,521/mo
Deposit HK$1.78M · loan HK$16.04M · min. income ≈ HK$171,550/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,325 · Scale 2, in force from 26 Feb 2026)