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$40,669
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,934
−HK$1,286/mo
Today · 4.125%
HK$43,220
baseline
▲ 0.50% · 4.625%
HK$45,849
+HK$2,629/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$86,440/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$668,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,244
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,458
−HK$1,231/mo
Today · 4.125%
HK$47,689
baseline
▲ 0.50% · 4.625%
HK$50,202
+HK$2,513/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$95,378/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$668,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,803
−HK$3,060/mo
▼ 0.25% · 3.875%
HK$50,321
−HK$1,542/mo
Today · 4.125%
HK$51,863
baseline
▲ 0.50% · 4.625%
HK$55,019
+HK$3,156/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$103,726/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,293
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,749
−HK$1,477/mo
Today · 4.125%
HK$57,226
baseline
▲ 0.50% · 4.625%
HK$60,243
+HK$3,017/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$114,452/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,937
−HK$3,570/mo
▼ 0.25% · 3.875%
HK$58,708
−HK$1,799/mo
Today · 4.125%
HK$60,507
baseline
▲ 0.50% · 4.625%
HK$64,189
+HK$3,682/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$121,014/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,342
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,041
−HK$1,723/mo
Today · 4.125%
HK$66,764
baseline
▲ 0.50% · 4.625%
HK$70,283
+HK$3,519/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$133,528/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,205
−HK$4,590/mo
▼ 0.25% · 3.875%
HK$75,482
−HK$2,313/mo
Today · 4.125%
HK$77,795
baseline
▲ 0.50% · 4.625%
HK$82,529
+HK$4,734/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$155,590/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,827 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,439
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$83,624
−HK$2,215/mo
Today · 4.125%
HK$85,839
baseline
▲ 0.50% · 4.625%
HK$90,364
+HK$4,525/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$171,678/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,827 · Scale 2, in force from 26 Feb 2026)