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$40,628
−HK$2,548/mo
▼ 0.25% · 3.875%
HK$41,892
−HK$1,284/mo
Today · 4.125%
HK$43,176
baseline
▲ 0.50% · 4.625%
HK$45,803
+HK$2,627/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$86,352/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,198
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,410
−HK$1,230/mo
Today · 4.125%
HK$47,640
baseline
▲ 0.50% · 4.625%
HK$50,151
+HK$2,511/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$95,280/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,754
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$50,270
−HK$1,541/mo
Today · 4.125%
HK$51,811
baseline
▲ 0.50% · 4.625%
HK$54,964
+HK$3,153/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$103,622/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,238
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,693
−HK$1,475/mo
Today · 4.125%
HK$57,168
baseline
▲ 0.50% · 4.625%
HK$60,182
+HK$3,014/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$114,336/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,879
−HK$3,567/mo
▼ 0.25% · 3.875%
HK$58,649
−HK$1,797/mo
Today · 4.125%
HK$60,446
baseline
▲ 0.50% · 4.625%
HK$64,124
+HK$3,678/mo
Deposit HK$5.35M · loan HK$12.47M · min. income ≈ HK$120,892/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$668,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,278
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,975
−HK$1,721/mo
Today · 4.125%
HK$66,696
baseline
▲ 0.50% · 4.625%
HK$70,212
+HK$3,516/mo
Deposit HK$5.35M · loan HK$12.47M · min. income ≈ HK$133,392/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$668,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,130
−HK$4,586/mo
▼ 0.25% · 3.875%
HK$75,405
−HK$2,311/mo
Today · 4.125%
HK$77,716
baseline
▲ 0.50% · 4.625%
HK$82,445
+HK$4,729/mo
Deposit HK$1.78M · loan HK$16.04M · min. income ≈ HK$155,432/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,150 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,357
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$83,539
−HK$2,213/mo
Today · 4.125%
HK$85,752
baseline
▲ 0.50% · 4.625%
HK$90,273
+HK$4,521/mo
Deposit HK$1.78M · loan HK$16.04M · min. income ≈ HK$171,504/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,150 · Scale 2, in force from 26 Feb 2026)