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$40,641
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,905
−HK$1,284/mo
Today · 4.125%
HK$43,189
baseline
▲ 0.50% · 4.625%
HK$45,817
+HK$2,628/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$86,378/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,212
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,425
−HK$1,230/mo
Today · 4.125%
HK$47,655
baseline
▲ 0.50% · 4.625%
HK$50,167
+HK$2,512/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$95,310/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,769
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,286
−HK$1,541/mo
Today · 4.125%
HK$51,827
baseline
▲ 0.50% · 4.625%
HK$54,981
+HK$3,154/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$103,654/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,255
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,710
−HK$1,476/mo
Today · 4.125%
HK$57,186
baseline
▲ 0.50% · 4.625%
HK$60,201
+HK$3,015/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$114,372/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,897
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,667
−HK$1,798/mo
Today · 4.125%
HK$60,465
baseline
▲ 0.50% · 4.625%
HK$64,144
+HK$3,679/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$120,930/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,297
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$64,995
−HK$1,722/mo
Today · 4.125%
HK$66,717
baseline
▲ 0.50% · 4.625%
HK$70,234
+HK$3,517/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$133,434/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,153
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$75,429
−HK$2,312/mo
Today · 4.125%
HK$77,741
baseline
▲ 0.50% · 4.625%
HK$82,471
+HK$4,730/mo
Deposit HK$1.78M · loan HK$16.04M · min. income ≈ HK$155,482/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,382
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$83,565
−HK$2,214/mo
Today · 4.125%
HK$85,779
baseline
▲ 0.50% · 4.625%
HK$90,301
+HK$4,522/mo
Deposit HK$1.78M · loan HK$16.04M · min. income ≈ HK$171,558/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,359 · Scale 2, in force from 26 Feb 2026)