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$40,656
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$41,921
−HK$1,285/mo
Today · 4.125%
HK$43,206
baseline
▲ 0.50% · 4.625%
HK$45,835
+HK$2,629/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$86,412/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,230
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,443
−HK$1,230/mo
Today · 4.125%
HK$47,673
baseline
▲ 0.50% · 4.625%
HK$50,186
+HK$2,513/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$95,346/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,787
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,305
−HK$1,542/mo
Today · 4.125%
HK$51,847
baseline
▲ 0.50% · 4.625%
HK$55,002
+HK$3,155/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$103,694/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,276
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,731
−HK$1,477/mo
Today · 4.125%
HK$57,208
baseline
▲ 0.50% · 4.625%
HK$60,223
+HK$3,015/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$114,416/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,919
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,689
−HK$1,799/mo
Today · 4.125%
HK$60,488
baseline
▲ 0.50% · 4.625%
HK$64,169
+HK$3,681/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$120,976/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,321
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,020
−HK$1,723/mo
Today · 4.125%
HK$66,743
baseline
▲ 0.50% · 4.625%
HK$70,261
+HK$3,518/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$133,486/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,181
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$75,458
−HK$2,312/mo
Today · 4.125%
HK$77,770
baseline
▲ 0.50% · 4.625%
HK$82,502
+HK$4,732/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$155,540/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,613 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,413
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,597
−HK$2,215/mo
Today · 4.125%
HK$85,812
baseline
▲ 0.50% · 4.625%
HK$90,335
+HK$4,523/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$171,624/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,613 · Scale 2, in force from 26 Feb 2026)