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$40,695
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,961
−HK$1,286/mo
Today · 4.125%
HK$43,247
baseline
▲ 0.50% · 4.625%
HK$45,879
+HK$2,632/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$86,494/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,273
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,487
−HK$1,232/mo
Today · 4.125%
HK$47,719
baseline
▲ 0.50% · 4.625%
HK$50,235
+HK$2,516/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$95,438/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,834
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,354
−HK$1,543/mo
Today · 4.125%
HK$51,897
baseline
▲ 0.50% · 4.625%
HK$55,055
+HK$3,158/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$103,794/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,328
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,785
−HK$1,478/mo
Today · 4.125%
HK$57,263
baseline
▲ 0.50% · 4.625%
HK$60,281
+HK$3,018/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$114,526/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,974
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,746
−HK$1,800/mo
Today · 4.125%
HK$60,546
baseline
▲ 0.50% · 4.625%
HK$64,230
+HK$3,684/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$121,092/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,383
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,082
−HK$1,725/mo
Today · 4.125%
HK$66,807
baseline
▲ 0.50% · 4.625%
HK$70,328
+HK$3,521/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$133,614/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,252
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$75,530
−HK$2,315/mo
Today · 4.125%
HK$77,845
baseline
▲ 0.50% · 4.625%
HK$82,582
+HK$4,737/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$155,690/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,258 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,492
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$83,677
−HK$2,218/mo
Today · 4.125%
HK$85,895
baseline
▲ 0.50% · 4.625%
HK$90,422
+HK$4,527/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$171,790/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,258 · Scale 2, in force from 26 Feb 2026)