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$40,636
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,900
−HK$1,284/mo
Today · 4.125%
HK$43,184
baseline
▲ 0.50% · 4.625%
HK$45,812
+HK$2,628/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$86,368/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,207
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,420
−HK$1,230/mo
Today · 4.125%
HK$47,650
baseline
▲ 0.50% · 4.625%
HK$50,161
+HK$2,511/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$95,300/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,763
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,280
−HK$1,541/mo
Today · 4.125%
HK$51,821
baseline
▲ 0.50% · 4.625%
HK$54,974
+HK$3,153/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$103,642/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,249
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,704
−HK$1,476/mo
Today · 4.125%
HK$57,180
baseline
▲ 0.50% · 4.625%
HK$60,194
+HK$3,014/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$114,360/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,891
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$58,660
−HK$1,798/mo
Today · 4.125%
HK$60,458
baseline
▲ 0.50% · 4.625%
HK$64,137
+HK$3,679/mo
Deposit HK$5.35M · loan HK$12.47M · min. income ≈ HK$120,916/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$668,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,290
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$64,988
−HK$1,722/mo
Today · 4.125%
HK$66,710
baseline
▲ 0.50% · 4.625%
HK$70,226
+HK$3,516/mo
Deposit HK$5.35M · loan HK$12.47M · min. income ≈ HK$133,420/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$668,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,145
−HK$4,587/mo
▼ 0.25% · 3.875%
HK$75,420
−HK$2,312/mo
Today · 4.125%
HK$77,732
baseline
▲ 0.50% · 4.625%
HK$82,462
+HK$4,730/mo
Deposit HK$1.78M · loan HK$16.04M · min. income ≈ HK$155,464/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,373
−HK$4,396/mo
▼ 0.25% · 3.875%
HK$83,556
−HK$2,213/mo
Today · 4.125%
HK$85,769
baseline
▲ 0.50% · 4.625%
HK$90,290
+HK$4,521/mo
Deposit HK$1.78M · loan HK$16.04M · min. income ≈ HK$171,538/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,283 · Scale 2, in force from 26 Feb 2026)