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$40,693
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,959
−HK$1,286/mo
Today · 4.125%
HK$43,245
baseline
▲ 0.50% · 4.625%
HK$45,876
+HK$2,631/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$86,490/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,271
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,485
−HK$1,232/mo
Today · 4.125%
HK$47,717
baseline
▲ 0.50% · 4.625%
HK$50,232
+HK$2,515/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$95,434/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,832
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,351
−HK$1,543/mo
Today · 4.125%
HK$51,894
baseline
▲ 0.50% · 4.625%
HK$55,052
+HK$3,158/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$103,788/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,325
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,782
−HK$1,478/mo
Today · 4.125%
HK$57,260
baseline
▲ 0.50% · 4.625%
HK$60,278
+HK$3,018/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$114,520/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,970
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,743
−HK$1,800/mo
Today · 4.125%
HK$60,543
baseline
▲ 0.50% · 4.625%
HK$64,227
+HK$3,684/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$121,086/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,379
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,079
−HK$1,724/mo
Today · 4.125%
HK$66,803
baseline
▲ 0.50% · 4.625%
HK$70,324
+HK$3,521/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$133,606/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,248
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$75,526
−HK$2,315/mo
Today · 4.125%
HK$77,841
baseline
▲ 0.50% · 4.625%
HK$82,577
+HK$4,736/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$155,682/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,220 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,487
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$83,673
−HK$2,217/mo
Today · 4.125%
HK$85,890
baseline
▲ 0.50% · 4.625%
HK$90,417
+HK$4,527/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$171,780/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,220 · Scale 2, in force from 26 Feb 2026)