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$45,843
+HK$2,629/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$668,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,238
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,451
−HK$1,231/mo
Today · 4.125%
HK$47,682
baseline
▲ 0.50% · 4.625%
HK$50,196
+HK$2,514/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$95,364/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$668,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,797
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,314
−HK$1,543/mo
Today · 4.125%
HK$51,857
baseline
▲ 0.50% · 4.625%
HK$55,012
+HK$3,155/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$668,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,286
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,742
−HK$1,477/mo
Today · 4.125%
HK$57,219
baseline
▲ 0.50% · 4.625%
HK$60,235
+HK$3,016/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$114,438/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,929
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,700
−HK$1,799/mo
Today · 4.125%
HK$60,499
baseline
▲ 0.50% · 4.625%
HK$64,181
+HK$3,682/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$120,998/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,333
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,032
−HK$1,723/mo
Today · 4.125%
HK$66,755
baseline
▲ 0.50% · 4.625%
HK$70,274
+HK$3,519/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$133,510/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,195
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$75,472
−HK$2,313/mo
Today · 4.125%
HK$77,785
baseline
▲ 0.50% · 4.625%
HK$82,518
+HK$4,733/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$155,570/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,429
−HK$4,399/mo
▼ 0.25% · 3.875%
HK$83,613
−HK$2,215/mo
Today · 4.125%
HK$85,828
baseline
▲ 0.50% · 4.625%
HK$90,352
+HK$4,524/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$171,656/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,739 · Scale 2, in force from 26 Feb 2026)