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$40,616
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,879
−HK$1,284/mo
Today · 4.125%
HK$43,163
baseline
▲ 0.50% · 4.625%
HK$45,789
+HK$2,626/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$86,326/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,185
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,397
−HK$1,229/mo
Today · 4.125%
HK$47,626
baseline
▲ 0.50% · 4.625%
HK$50,136
+HK$2,510/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$95,252/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,739
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,255
−HK$1,540/mo
Today · 4.125%
HK$51,795
baseline
▲ 0.50% · 4.625%
HK$54,947
+HK$3,152/mo
Deposit HK$7.12M · loan HK$10.69M · min. income ≈ HK$103,590/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,222
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,676
−HK$1,475/mo
Today · 4.125%
HK$57,151
baseline
▲ 0.50% · 4.625%
HK$60,164
+HK$3,013/mo
Deposit HK$7.12M · loan HK$10.69M · min. income ≈ HK$114,302/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,862
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,631
−HK$1,797/mo
Today · 4.125%
HK$60,428
baseline
▲ 0.50% · 4.625%
HK$64,105
+HK$3,677/mo
Deposit HK$5.34M · loan HK$12.47M · min. income ≈ HK$120,856/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,259
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,955
−HK$1,721/mo
Today · 4.125%
HK$66,676
baseline
▲ 0.50% · 4.625%
HK$70,191
+HK$3,515/mo
Deposit HK$5.34M · loan HK$12.47M · min. income ≈ HK$133,352/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,109
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$75,383
−HK$2,310/mo
Today · 4.125%
HK$77,693
baseline
▲ 0.50% · 4.625%
HK$82,421
+HK$4,728/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$155,386/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,950 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,333
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,514
−HK$2,213/mo
Today · 4.125%
HK$85,727
baseline
▲ 0.50% · 4.625%
HK$90,246
+HK$4,519/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$171,454/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,950 · Scale 2, in force from 26 Feb 2026)