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$40,645
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,909
−HK$1,284/mo
Today · 4.125%
HK$43,193
baseline
▲ 0.50% · 4.625%
HK$45,822
+HK$2,629/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$86,386/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,217
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,429
−HK$1,231/mo
Today · 4.125%
HK$47,660
baseline
▲ 0.50% · 4.625%
HK$50,172
+HK$2,512/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$95,320/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,774
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,291
−HK$1,541/mo
Today · 4.125%
HK$51,832
baseline
▲ 0.50% · 4.625%
HK$54,986
+HK$3,154/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$103,664/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,260
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,715
−HK$1,477/mo
Today · 4.125%
HK$57,192
baseline
▲ 0.50% · 4.625%
HK$60,206
+HK$3,014/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$114,384/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,903
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,673
−HK$1,798/mo
Today · 4.125%
HK$60,471
baseline
▲ 0.50% · 4.625%
HK$64,150
+HK$3,679/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$120,942/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,303
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,001
−HK$1,723/mo
Today · 4.125%
HK$66,724
baseline
▲ 0.50% · 4.625%
HK$70,241
+HK$3,517/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$133,448/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,160
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$75,436
−HK$2,312/mo
Today · 4.125%
HK$77,748
baseline
▲ 0.50% · 4.625%
HK$82,479
+HK$4,731/mo
Deposit HK$1.78M · loan HK$16.04M · min. income ≈ HK$155,496/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,390
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$83,573
−HK$2,214/mo
Today · 4.125%
HK$85,787
baseline
▲ 0.50% · 4.625%
HK$90,309
+HK$4,522/mo
Deposit HK$1.78M · loan HK$16.04M · min. income ≈ HK$171,574/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,423 · Scale 2, in force from 26 Feb 2026)