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$40,642
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,906
−HK$1,285/mo
Today · 4.125%
HK$43,191
baseline
▲ 0.50% · 4.625%
HK$45,819
+HK$2,628/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$86,382/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,214
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,427
−HK$1,230/mo
Today · 4.125%
HK$47,657
baseline
▲ 0.50% · 4.625%
HK$50,169
+HK$2,512/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$95,314/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,771
−HK$3,058/mo
▼ 0.25% · 3.875%
HK$50,288
−HK$1,541/mo
Today · 4.125%
HK$51,829
baseline
▲ 0.50% · 4.625%
HK$54,983
+HK$3,154/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$103,658/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,257
−HK$2,931/mo
▼ 0.25% · 3.875%
HK$55,712
−HK$1,476/mo
Today · 4.125%
HK$57,188
baseline
▲ 0.50% · 4.625%
HK$60,203
+HK$3,015/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$114,376/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,899
−HK$3,568/mo
▼ 0.25% · 3.875%
HK$58,669
−HK$1,798/mo
Today · 4.125%
HK$60,467
baseline
▲ 0.50% · 4.625%
HK$64,147
+HK$3,680/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$120,934/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,300
−HK$3,420/mo
▼ 0.25% · 3.875%
HK$64,997
−HK$1,723/mo
Today · 4.125%
HK$66,720
baseline
▲ 0.50% · 4.625%
HK$70,237
+HK$3,517/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$133,440/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,156
−HK$4,588/mo
▼ 0.25% · 3.875%
HK$75,432
−HK$2,312/mo
Today · 4.125%
HK$77,744
baseline
▲ 0.50% · 4.625%
HK$82,474
+HK$4,730/mo
Deposit HK$1.78M · loan HK$16.04M · min. income ≈ HK$155,488/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,385
−HK$4,397/mo
▼ 0.25% · 3.875%
HK$83,568
−HK$2,214/mo
Today · 4.125%
HK$85,782
baseline
▲ 0.50% · 4.625%
HK$90,304
+HK$4,522/mo
Deposit HK$1.78M · loan HK$16.04M · min. income ≈ HK$171,564/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,384 · Scale 2, in force from 26 Feb 2026)