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$40,702
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,968
−HK$1,287/mo
Today · 4.125%
HK$43,255
baseline
▲ 0.50% · 4.625%
HK$45,887
+HK$2,632/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$86,510/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,281
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,495
−HK$1,232/mo
Today · 4.125%
HK$47,727
baseline
▲ 0.50% · 4.625%
HK$50,243
+HK$2,516/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$95,454/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,843
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,362
−HK$1,544/mo
Today · 4.125%
HK$51,906
baseline
▲ 0.50% · 4.625%
HK$55,064
+HK$3,158/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$103,812/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,337
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,794
−HK$1,479/mo
Today · 4.125%
HK$57,273
baseline
▲ 0.50% · 4.625%
HK$60,292
+HK$3,019/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$114,546/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,983
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$58,756
−HK$1,801/mo
Today · 4.125%
HK$60,557
baseline
▲ 0.50% · 4.625%
HK$64,241
+HK$3,684/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$121,114/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,393
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,093
−HK$1,725/mo
Today · 4.125%
HK$66,818
baseline
▲ 0.50% · 4.625%
HK$70,340
+HK$3,522/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$133,636/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,264
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$75,543
−HK$2,315/mo
Today · 4.125%
HK$77,858
baseline
▲ 0.50% · 4.625%
HK$82,596
+HK$4,738/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$155,716/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,506
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$83,692
−HK$2,217/mo
Today · 4.125%
HK$85,909
baseline
▲ 0.50% · 4.625%
HK$90,437
+HK$4,528/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$171,818/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,371 · Scale 2, in force from 26 Feb 2026)