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$40,622
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,885
−HK$1,284/mo
Today · 4.125%
HK$43,169
baseline
▲ 0.50% · 4.625%
HK$45,796
+HK$2,627/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$86,338/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,191
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,403
−HK$1,230/mo
Today · 4.125%
HK$47,633
baseline
▲ 0.50% · 4.625%
HK$50,144
+HK$2,511/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$95,266/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,746
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$50,262
−HK$1,541/mo
Today · 4.125%
HK$51,803
baseline
▲ 0.50% · 4.625%
HK$54,955
+HK$3,152/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$103,606/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$668,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,229
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,684
−HK$1,475/mo
Today · 4.125%
HK$57,159
baseline
▲ 0.50% · 4.625%
HK$60,172
+HK$3,013/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$114,318/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$668,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,870
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$58,639
−HK$1,798/mo
Today · 4.125%
HK$60,437
baseline
▲ 0.50% · 4.625%
HK$64,114
+HK$3,677/mo
Deposit HK$5.34M · loan HK$12.47M · min. income ≈ HK$120,874/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$668,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,268
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,965
−HK$1,721/mo
Today · 4.125%
HK$66,686
baseline
▲ 0.50% · 4.625%
HK$70,201
+HK$3,515/mo
Deposit HK$5.34M · loan HK$12.47M · min. income ≈ HK$133,372/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$668,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,119
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,393
−HK$2,311/mo
Today · 4.125%
HK$77,704
baseline
▲ 0.50% · 4.625%
HK$82,432
+HK$4,728/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$155,408/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,045 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,344
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$83,526
−HK$2,213/mo
Today · 4.125%
HK$85,739
baseline
▲ 0.50% · 4.625%
HK$90,258
+HK$4,519/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$171,478/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,045 · Scale 2, in force from 26 Feb 2026)