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$40,667
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$41,932
−HK$1,285/mo
Today · 4.125%
HK$43,217
baseline
▲ 0.50% · 4.625%
HK$45,847
+HK$2,630/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$86,434/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$668,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,242
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,455
−HK$1,231/mo
Today · 4.125%
HK$47,686
baseline
▲ 0.50% · 4.625%
HK$50,200
+HK$2,514/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$95,372/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$668,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,801
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,319
−HK$1,542/mo
Today · 4.125%
HK$51,861
baseline
▲ 0.50% · 4.625%
HK$55,016
+HK$3,155/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$103,722/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,290
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,746
−HK$1,477/mo
Today · 4.125%
HK$57,223
baseline
▲ 0.50% · 4.625%
HK$60,240
+HK$3,017/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$114,446/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,934
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,705
−HK$1,799/mo
Today · 4.125%
HK$60,504
baseline
▲ 0.50% · 4.625%
HK$64,186
+HK$3,682/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$121,008/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,339
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,037
−HK$1,724/mo
Today · 4.125%
HK$66,761
baseline
▲ 0.50% · 4.625%
HK$70,280
+HK$3,519/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$133,522/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,201
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$75,478
−HK$2,313/mo
Today · 4.125%
HK$77,791
baseline
▲ 0.50% · 4.625%
HK$82,525
+HK$4,734/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$155,582/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,435
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$83,619
−HK$2,216/mo
Today · 4.125%
HK$85,835
baseline
▲ 0.50% · 4.625%
HK$90,359
+HK$4,524/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$171,670/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,794 · Scale 2, in force from 26 Feb 2026)