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$40,685
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,951
−HK$1,286/mo
Today · 4.125%
HK$43,237
baseline
▲ 0.50% · 4.625%
HK$45,868
+HK$2,631/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$86,474/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,262
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,476
−HK$1,232/mo
Today · 4.125%
HK$47,708
baseline
▲ 0.50% · 4.625%
HK$50,222
+HK$2,514/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$95,416/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,823
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,341
−HK$1,543/mo
Today · 4.125%
HK$51,884
baseline
▲ 0.50% · 4.625%
HK$55,041
+HK$3,157/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$103,768/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,315
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,771
−HK$1,478/mo
Today · 4.125%
HK$57,249
baseline
▲ 0.50% · 4.625%
HK$60,267
+HK$3,018/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$114,498/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,960
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,731
−HK$1,801/mo
Today · 4.125%
HK$60,532
baseline
▲ 0.50% · 4.625%
HK$64,215
+HK$3,683/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$121,064/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,367
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,067
−HK$1,724/mo
Today · 4.125%
HK$66,791
baseline
▲ 0.50% · 4.625%
HK$70,311
+HK$3,520/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$133,582/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,234
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$75,512
−HK$2,314/mo
Today · 4.125%
HK$77,826
baseline
▲ 0.50% · 4.625%
HK$82,562
+HK$4,736/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$155,652/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,472
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$83,657
−HK$2,217/mo
Today · 4.125%
HK$85,874
baseline
▲ 0.50% · 4.625%
HK$90,400
+HK$4,526/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$171,748/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,094 · Scale 2, in force from 26 Feb 2026)