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$40,653
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,918
−HK$1,284/mo
Today · 4.125%
HK$43,202
baseline
▲ 0.50% · 4.625%
HK$45,831
+HK$2,629/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$86,404/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,226
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,439
−HK$1,231/mo
Today · 4.125%
HK$47,670
baseline
▲ 0.50% · 4.625%
HK$50,182
+HK$2,512/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$95,340/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,784
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$50,301
−HK$1,542/mo
Today · 4.125%
HK$51,843
baseline
▲ 0.50% · 4.625%
HK$54,998
+HK$3,155/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$103,686/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,272
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,727
−HK$1,477/mo
Today · 4.125%
HK$57,204
baseline
▲ 0.50% · 4.625%
HK$60,219
+HK$3,015/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$114,408/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,914
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,685
−HK$1,798/mo
Today · 4.125%
HK$60,483
baseline
▲ 0.50% · 4.625%
HK$64,164
+HK$3,681/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$120,966/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,317
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,015
−HK$1,723/mo
Today · 4.125%
HK$66,738
baseline
▲ 0.50% · 4.625%
HK$70,255
+HK$3,517/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$133,476/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,176
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$75,452
−HK$2,312/mo
Today · 4.125%
HK$77,764
baseline
▲ 0.50% · 4.625%
HK$82,496
+HK$4,732/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$155,528/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,563 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,407
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$83,591
−HK$2,214/mo
Today · 4.125%
HK$85,805
baseline
▲ 0.50% · 4.625%
HK$90,328
+HK$4,523/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$171,610/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,563 · Scale 2, in force from 26 Feb 2026)