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$40,698
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,964
−HK$1,287/mo
Today · 4.125%
HK$43,251
baseline
▲ 0.50% · 4.625%
HK$45,882
+HK$2,631/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$86,502/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,277
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,491
−HK$1,232/mo
Today · 4.125%
HK$47,723
baseline
▲ 0.50% · 4.625%
HK$50,238
+HK$2,515/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$95,446/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,838
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,357
−HK$1,544/mo
Today · 4.125%
HK$51,901
baseline
▲ 0.50% · 4.625%
HK$55,059
+HK$3,158/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$103,802/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,332
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,789
−HK$1,478/mo
Today · 4.125%
HK$57,267
baseline
▲ 0.50% · 4.625%
HK$60,286
+HK$3,019/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$114,534/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,978
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,750
−HK$1,801/mo
Today · 4.125%
HK$60,551
baseline
▲ 0.50% · 4.625%
HK$64,235
+HK$3,684/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$121,102/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,387
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,087
−HK$1,725/mo
Today · 4.125%
HK$66,812
baseline
▲ 0.50% · 4.625%
HK$70,334
+HK$3,522/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$133,624/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,257
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$75,536
−HK$2,315/mo
Today · 4.125%
HK$77,851
baseline
▲ 0.50% · 4.625%
HK$82,588
+HK$4,737/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$155,702/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,308 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,498
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$83,684
−HK$2,217/mo
Today · 4.125%
HK$85,901
baseline
▲ 0.50% · 4.625%
HK$90,429
+HK$4,528/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$171,802/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,308 · Scale 2, in force from 26 Feb 2026)