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$40,689
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,955
−HK$1,286/mo
Today · 4.125%
HK$43,241
baseline
▲ 0.50% · 4.625%
HK$45,872
+HK$2,631/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$86,482/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,267
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,481
−HK$1,231/mo
Today · 4.125%
HK$47,712
baseline
▲ 0.50% · 4.625%
HK$50,227
+HK$2,515/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$95,424/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,827
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,346
−HK$1,543/mo
Today · 4.125%
HK$51,889
baseline
▲ 0.50% · 4.625%
HK$55,046
+HK$3,157/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$103,778/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,320
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,777
−HK$1,478/mo
Today · 4.125%
HK$57,255
baseline
▲ 0.50% · 4.625%
HK$60,273
+HK$3,018/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$114,510/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,965
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,737
−HK$1,800/mo
Today · 4.125%
HK$60,537
baseline
▲ 0.50% · 4.625%
HK$64,221
+HK$3,684/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$121,074/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,373
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,073
−HK$1,724/mo
Today · 4.125%
HK$66,797
baseline
▲ 0.50% · 4.625%
HK$70,318
+HK$3,521/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$133,594/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,241
−HK$4,593/mo
▼ 0.25% · 3.875%
HK$75,519
−HK$2,315/mo
Today · 4.125%
HK$77,834
baseline
▲ 0.50% · 4.625%
HK$82,570
+HK$4,736/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$155,668/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,158 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,480
−HK$4,402/mo
▼ 0.25% · 3.875%
HK$83,665
−HK$2,217/mo
Today · 4.125%
HK$85,882
baseline
▲ 0.50% · 4.625%
HK$90,409
+HK$4,527/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$171,764/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,158 · Scale 2, in force from 26 Feb 2026)