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$40,687
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,953
−HK$1,286/mo
Today · 4.125%
HK$43,239
baseline
▲ 0.50% · 4.625%
HK$45,869
+HK$2,630/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$86,478/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,264
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,478
−HK$1,231/mo
Today · 4.125%
HK$47,709
baseline
▲ 0.50% · 4.625%
HK$50,224
+HK$2,515/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$95,418/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,825
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,343
−HK$1,543/mo
Today · 4.125%
HK$51,886
baseline
▲ 0.50% · 4.625%
HK$55,043
+HK$3,157/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$103,772/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,317
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,774
−HK$1,477/mo
Today · 4.125%
HK$57,251
baseline
▲ 0.50% · 4.625%
HK$60,269
+HK$3,018/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$114,502/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,962
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,734
−HK$1,800/mo
Today · 4.125%
HK$60,534
baseline
▲ 0.50% · 4.625%
HK$64,217
+HK$3,683/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$121,068/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,370
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$65,069
−HK$1,724/mo
Today · 4.125%
HK$66,793
baseline
▲ 0.50% · 4.625%
HK$70,314
+HK$3,521/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$133,586/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,237
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$75,515
−HK$2,314/mo
Today · 4.125%
HK$77,829
baseline
▲ 0.50% · 4.625%
HK$82,565
+HK$4,736/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$155,658/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,121 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,475
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$83,660
−HK$2,217/mo
Today · 4.125%
HK$85,877
baseline
▲ 0.50% · 4.625%
HK$90,404
+HK$4,527/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$171,754/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,121 · Scale 2, in force from 26 Feb 2026)