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$40,702
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,968
−HK$1,286/mo
Today · 4.125%
HK$43,254
baseline
▲ 0.50% · 4.625%
HK$45,886
+HK$2,632/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$86,508/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,281
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,495
−HK$1,232/mo
Today · 4.125%
HK$47,727
baseline
▲ 0.50% · 4.625%
HK$50,243
+HK$2,516/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$95,454/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,842
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,362
−HK$1,543/mo
Today · 4.125%
HK$51,905
baseline
▲ 0.50% · 4.625%
HK$55,064
+HK$3,159/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$103,810/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,337
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,794
−HK$1,478/mo
Today · 4.125%
HK$57,272
baseline
▲ 0.50% · 4.625%
HK$60,291
+HK$3,019/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$114,544/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,983
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,755
−HK$1,801/mo
Today · 4.125%
HK$60,556
baseline
▲ 0.50% · 4.625%
HK$64,241
+HK$3,685/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$121,112/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,393
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,093
−HK$1,725/mo
Today · 4.125%
HK$66,818
baseline
▲ 0.50% · 4.625%
HK$70,340
+HK$3,522/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$133,636/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,264
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$75,542
−HK$2,316/mo
Today · 4.125%
HK$77,858
baseline
▲ 0.50% · 4.625%
HK$82,595
+HK$4,737/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$155,716/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,365 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,505
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$83,691
−HK$2,217/mo
Today · 4.125%
HK$85,908
baseline
▲ 0.50% · 4.625%
HK$90,437
+HK$4,529/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$171,816/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,365 · Scale 2, in force from 26 Feb 2026)