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$40,627
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,891
−HK$1,284/mo
Today · 4.125%
HK$43,175
baseline
▲ 0.50% · 4.625%
HK$45,802
+HK$2,627/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$86,350/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,197
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,409
−HK$1,230/mo
Today · 4.125%
HK$47,639
baseline
▲ 0.50% · 4.625%
HK$50,150
+HK$2,511/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$95,278/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,752
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,269
−HK$1,541/mo
Today · 4.125%
HK$51,810
baseline
▲ 0.50% · 4.625%
HK$54,962
+HK$3,152/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$103,620/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$668,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,237
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,691
−HK$1,476/mo
Today · 4.125%
HK$57,167
baseline
▲ 0.50% · 4.625%
HK$60,180
+HK$3,013/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$114,334/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$668,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,878
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,647
−HK$1,797/mo
Today · 4.125%
HK$60,444
baseline
▲ 0.50% · 4.625%
HK$64,122
+HK$3,678/mo
Deposit HK$5.35M · loan HK$12.47M · min. income ≈ HK$120,888/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$668,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,276
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$64,973
−HK$1,722/mo
Today · 4.125%
HK$66,695
baseline
▲ 0.50% · 4.625%
HK$70,210
+HK$3,515/mo
Deposit HK$5.35M · loan HK$12.47M · min. income ≈ HK$133,390/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$668,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,129
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,403
−HK$2,311/mo
Today · 4.125%
HK$77,714
baseline
▲ 0.50% · 4.625%
HK$82,443
+HK$4,729/mo
Deposit HK$1.78M · loan HK$16.04M · min. income ≈ HK$155,428/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,132 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,355
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$83,537
−HK$2,213/mo
Today · 4.125%
HK$85,750
baseline
▲ 0.50% · 4.625%
HK$90,270
+HK$4,520/mo
Deposit HK$1.78M · loan HK$16.04M · min. income ≈ HK$171,500/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,132 · Scale 2, in force from 26 Feb 2026)