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$40,664
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$41,929
−HK$1,285/mo
Today · 4.125%
HK$43,214
baseline
▲ 0.50% · 4.625%
HK$45,844
+HK$2,630/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$86,428/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$668,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,239
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,452
−HK$1,231/mo
Today · 4.125%
HK$47,683
baseline
▲ 0.50% · 4.625%
HK$50,196
+HK$2,513/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$95,366/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$668,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,797
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,315
−HK$1,542/mo
Today · 4.125%
HK$51,857
baseline
▲ 0.50% · 4.625%
HK$55,013
+HK$3,156/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$103,714/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,287
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,743
−HK$1,477/mo
Today · 4.125%
HK$57,220
baseline
▲ 0.50% · 4.625%
HK$60,236
+HK$3,016/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$114,440/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,930
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,701
−HK$1,799/mo
Today · 4.125%
HK$60,500
baseline
▲ 0.50% · 4.625%
HK$64,182
+HK$3,682/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$121,000/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,334
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,033
−HK$1,723/mo
Today · 4.125%
HK$66,756
baseline
▲ 0.50% · 4.625%
HK$70,275
+HK$3,519/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$133,512/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,196
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$75,473
−HK$2,313/mo
Today · 4.125%
HK$77,786
baseline
▲ 0.50% · 4.625%
HK$82,519
+HK$4,733/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$155,572/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,430
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,614
−HK$2,215/mo
Today · 4.125%
HK$85,829
baseline
▲ 0.50% · 4.625%
HK$90,353
+HK$4,524/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$171,658/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,749 · Scale 2, in force from 26 Feb 2026)