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$40,658
−HK$2,549/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$668,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,231
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,444
−HK$1,231/mo
Today · 4.125%
HK$47,675
baseline
▲ 0.50% · 4.625%
HK$50,188
+HK$2,513/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$95,350/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,789
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,307
−HK$1,542/mo
Today · 4.125%
HK$51,849
baseline
▲ 0.50% · 4.625%
HK$55,004
+HK$3,155/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$103,698/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,278
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,733
−HK$1,477/mo
Today · 4.125%
HK$57,210
baseline
▲ 0.50% · 4.625%
HK$60,226
+HK$3,016/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$114,420/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,921
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,691
−HK$1,799/mo
Today · 4.125%
HK$60,490
baseline
▲ 0.50% · 4.625%
HK$64,171
+HK$3,681/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$120,980/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,324
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,022
−HK$1,723/mo
Today · 4.125%
HK$66,745
baseline
▲ 0.50% · 4.625%
HK$70,263
+HK$3,518/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$133,490/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,184
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$75,460
−HK$2,313/mo
Today · 4.125%
HK$77,773
baseline
▲ 0.50% · 4.625%
HK$82,506
+HK$4,733/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$155,546/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,416
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,600
−HK$2,215/mo
Today · 4.125%
HK$85,815
baseline
▲ 0.50% · 4.625%
HK$90,338
+HK$4,523/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$171,630/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,638 · Scale 2, in force from 26 Feb 2026)