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$40,655
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$41,920
−HK$1,285/mo
Today · 4.125%
HK$43,205
baseline
▲ 0.50% · 4.625%
HK$45,834
+HK$2,629/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$86,410/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,229
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,442
−HK$1,230/mo
Today · 4.125%
HK$47,672
baseline
▲ 0.50% · 4.625%
HK$50,185
+HK$2,513/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$95,344/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,786
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,304
−HK$1,542/mo
Today · 4.125%
HK$51,846
baseline
▲ 0.50% · 4.625%
HK$55,000
+HK$3,154/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$103,692/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,274
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,730
−HK$1,477/mo
Today · 4.125%
HK$57,207
baseline
▲ 0.50% · 4.625%
HK$60,222
+HK$3,015/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$114,414/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,917
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,688
−HK$1,799/mo
Today · 4.125%
HK$60,487
baseline
▲ 0.50% · 4.625%
HK$64,167
+HK$3,680/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$120,974/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,320
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,018
−HK$1,723/mo
Today · 4.125%
HK$66,741
baseline
▲ 0.50% · 4.625%
HK$70,259
+HK$3,518/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$133,482/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,179
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$75,456
−HK$2,312/mo
Today · 4.125%
HK$77,768
baseline
▲ 0.50% · 4.625%
HK$82,500
+HK$4,732/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$155,536/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,597 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,411
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,595
−HK$2,215/mo
Today · 4.125%
HK$85,810
baseline
▲ 0.50% · 4.625%
HK$90,333
+HK$4,523/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$171,620/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,597 · Scale 2, in force from 26 Feb 2026)