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$40,672
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,937
−HK$1,286/mo
Today · 4.125%
HK$43,223
baseline
▲ 0.50% · 4.625%
HK$45,853
+HK$2,630/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$86,446/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$668,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,247
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,461
−HK$1,231/mo
Today · 4.125%
HK$47,692
baseline
▲ 0.50% · 4.625%
HK$50,206
+HK$2,514/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$95,384/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$668,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,806
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,325
−HK$1,542/mo
Today · 4.125%
HK$51,867
baseline
▲ 0.50% · 4.625%
HK$55,023
+HK$3,156/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$103,734/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,297
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,753
−HK$1,477/mo
Today · 4.125%
HK$57,230
baseline
▲ 0.50% · 4.625%
HK$60,247
+HK$3,017/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$114,460/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,941
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,712
−HK$1,800/mo
Today · 4.125%
HK$60,512
baseline
▲ 0.50% · 4.625%
HK$64,194
+HK$3,682/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$121,024/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,346
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$65,045
−HK$1,724/mo
Today · 4.125%
HK$66,769
baseline
▲ 0.50% · 4.625%
HK$70,288
+HK$3,519/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$133,538/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,210
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$75,487
−HK$2,314/mo
Today · 4.125%
HK$77,801
baseline
▲ 0.50% · 4.625%
HK$82,535
+HK$4,734/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$155,602/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,445
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$83,629
−HK$2,216/mo
Today · 4.125%
HK$85,845
baseline
▲ 0.50% · 4.625%
HK$90,370
+HK$4,525/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$171,690/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,874 · Scale 2, in force from 26 Feb 2026)