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$40,684
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,949
−HK$1,286/mo
Today · 4.125%
HK$43,235
baseline
▲ 0.50% · 4.625%
HK$45,866
+HK$2,631/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$86,470/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,260
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,474
−HK$1,231/mo
Today · 4.125%
HK$47,705
baseline
▲ 0.50% · 4.625%
HK$50,220
+HK$2,515/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$95,410/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,820
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,339
−HK$1,543/mo
Today · 4.125%
HK$51,882
baseline
▲ 0.50% · 4.625%
HK$55,039
+HK$3,157/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$103,764/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,312
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,769
−HK$1,478/mo
Today · 4.125%
HK$57,247
baseline
▲ 0.50% · 4.625%
HK$60,264
+HK$3,017/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$114,494/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,957
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,729
−HK$1,800/mo
Today · 4.125%
HK$60,529
baseline
▲ 0.50% · 4.625%
HK$64,212
+HK$3,683/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$121,058/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,364
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,064
−HK$1,724/mo
Today · 4.125%
HK$66,788
baseline
▲ 0.50% · 4.625%
HK$70,308
+HK$3,520/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$133,576/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,231
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$75,509
−HK$2,314/mo
Today · 4.125%
HK$77,823
baseline
▲ 0.50% · 4.625%
HK$82,558
+HK$4,735/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$155,646/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,065 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,468
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$83,653
−HK$2,217/mo
Today · 4.125%
HK$85,870
baseline
▲ 0.50% · 4.625%
HK$90,396
+HK$4,526/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$171,740/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,065 · Scale 2, in force from 26 Feb 2026)