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$40,657
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$41,922
−HK$1,285/mo
Today · 4.125%
HK$43,207
baseline
▲ 0.50% · 4.625%
HK$45,836
+HK$2,629/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$86,414/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,231
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,444
−HK$1,230/mo
Today · 4.125%
HK$47,674
baseline
▲ 0.50% · 4.625%
HK$50,187
+HK$2,513/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$95,348/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,788
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,306
−HK$1,542/mo
Today · 4.125%
HK$51,848
baseline
▲ 0.50% · 4.625%
HK$55,003
+HK$3,155/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$103,696/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,277
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,732
−HK$1,477/mo
Today · 4.125%
HK$57,209
baseline
▲ 0.50% · 4.625%
HK$60,225
+HK$3,016/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$114,418/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,920
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,690
−HK$1,799/mo
Today · 4.125%
HK$60,489
baseline
▲ 0.50% · 4.625%
HK$64,170
+HK$3,681/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$120,978/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,323
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,021
−HK$1,723/mo
Today · 4.125%
HK$66,744
baseline
▲ 0.50% · 4.625%
HK$70,262
+HK$3,518/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$133,488/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,183
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$75,459
−HK$2,313/mo
Today · 4.125%
HK$77,772
baseline
▲ 0.50% · 4.625%
HK$82,504
+HK$4,732/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$155,544/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,626 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,415
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,598
−HK$2,216/mo
Today · 4.125%
HK$85,814
baseline
▲ 0.50% · 4.625%
HK$90,337
+HK$4,523/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$171,628/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,626 · Scale 2, in force from 26 Feb 2026)