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$40,696
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,962
−HK$1,286/mo
Today · 4.125%
HK$43,248
baseline
▲ 0.50% · 4.625%
HK$45,880
+HK$2,632/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$86,496/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,274
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,488
−HK$1,232/mo
Today · 4.125%
HK$47,720
baseline
▲ 0.50% · 4.625%
HK$50,235
+HK$2,515/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$95,440/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,835
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,354
−HK$1,544/mo
Today · 4.125%
HK$51,898
baseline
▲ 0.50% · 4.625%
HK$55,055
+HK$3,157/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$103,796/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,329
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,786
−HK$1,478/mo
Today · 4.125%
HK$57,264
baseline
▲ 0.50% · 4.625%
HK$60,282
+HK$3,018/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$114,528/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,974
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,747
−HK$1,800/mo
Today · 4.125%
HK$60,547
baseline
▲ 0.50% · 4.625%
HK$64,231
+HK$3,684/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$121,094/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,384
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,083
−HK$1,725/mo
Today · 4.125%
HK$66,808
baseline
▲ 0.50% · 4.625%
HK$70,329
+HK$3,521/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$133,616/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,253
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$75,531
−HK$2,315/mo
Today · 4.125%
HK$77,846
baseline
▲ 0.50% · 4.625%
HK$82,583
+HK$4,737/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$155,692/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,268 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,493
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$83,679
−HK$2,217/mo
Today · 4.125%
HK$85,896
baseline
▲ 0.50% · 4.625%
HK$90,424
+HK$4,528/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$171,792/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,268 · Scale 2, in force from 26 Feb 2026)