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$40,618
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,881
−HK$1,284/mo
Today · 4.125%
HK$43,165
baseline
▲ 0.50% · 4.625%
HK$45,792
+HK$2,627/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$86,330/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,187
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,399
−HK$1,229/mo
Today · 4.125%
HK$47,628
baseline
▲ 0.50% · 4.625%
HK$50,139
+HK$2,511/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$95,256/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,742
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,258
−HK$1,540/mo
Today · 4.125%
HK$51,798
baseline
▲ 0.50% · 4.625%
HK$54,950
+HK$3,152/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$103,596/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,224
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,679
−HK$1,475/mo
Today · 4.125%
HK$57,154
baseline
▲ 0.50% · 4.625%
HK$60,167
+HK$3,013/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$114,308/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,865
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,634
−HK$1,797/mo
Today · 4.125%
HK$60,431
baseline
▲ 0.50% · 4.625%
HK$64,108
+HK$3,677/mo
Deposit HK$5.34M · loan HK$12.47M · min. income ≈ HK$120,862/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,262
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,959
−HK$1,721/mo
Today · 4.125%
HK$66,680
baseline
▲ 0.50% · 4.625%
HK$70,195
+HK$3,515/mo
Deposit HK$5.34M · loan HK$12.47M · min. income ≈ HK$133,360/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,112
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,387
−HK$2,310/mo
Today · 4.125%
HK$77,697
baseline
▲ 0.50% · 4.625%
HK$82,425
+HK$4,728/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$155,394/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,984 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,337
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,518
−HK$2,213/mo
Today · 4.125%
HK$85,731
baseline
▲ 0.50% · 4.625%
HK$90,250
+HK$4,519/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$171,462/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,984 · Scale 2, in force from 26 Feb 2026)