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$40,668
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$41,933
−HK$1,285/mo
Today · 4.125%
HK$43,218
baseline
▲ 0.50% · 4.625%
HK$45,848
+HK$2,630/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$86,436/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$668,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,242
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,456
−HK$1,231/mo
Today · 4.125%
HK$47,687
baseline
▲ 0.50% · 4.625%
HK$50,200
+HK$2,513/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$95,374/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$668,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,801
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,319
−HK$1,542/mo
Today · 4.125%
HK$51,861
baseline
▲ 0.50% · 4.625%
HK$55,017
+HK$3,156/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$103,722/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,291
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,747
−HK$1,477/mo
Today · 4.125%
HK$57,224
baseline
▲ 0.50% · 4.625%
HK$60,240
+HK$3,016/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$114,448/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,935
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,706
−HK$1,799/mo
Today · 4.125%
HK$60,505
baseline
▲ 0.50% · 4.625%
HK$64,187
+HK$3,682/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$121,010/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,339
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,038
−HK$1,723/mo
Today · 4.125%
HK$66,761
baseline
▲ 0.50% · 4.625%
HK$70,280
+HK$3,519/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$133,522/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,202
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$75,479
−HK$2,313/mo
Today · 4.125%
HK$77,792
baseline
▲ 0.50% · 4.625%
HK$82,526
+HK$4,734/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$155,584/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,436
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$83,620
−HK$2,216/mo
Today · 4.125%
HK$85,836
baseline
▲ 0.50% · 4.625%
HK$90,361
+HK$4,525/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$171,672/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,802 · Scale 2, in force from 26 Feb 2026)