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$40,694
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,960
−HK$1,286/mo
Today · 4.125%
HK$43,246
baseline
▲ 0.50% · 4.625%
HK$45,877
+HK$2,631/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$86,492/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,272
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,486
−HK$1,232/mo
Today · 4.125%
HK$47,718
baseline
▲ 0.50% · 4.625%
HK$50,233
+HK$2,515/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$95,436/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,833
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,352
−HK$1,543/mo
Today · 4.125%
HK$51,895
baseline
▲ 0.50% · 4.625%
HK$55,053
+HK$3,158/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$103,790/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,326
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,783
−HK$1,478/mo
Today · 4.125%
HK$57,261
baseline
▲ 0.50% · 4.625%
HK$60,280
+HK$3,019/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$114,522/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,972
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,744
−HK$1,800/mo
Today · 4.125%
HK$60,544
baseline
▲ 0.50% · 4.625%
HK$64,228
+HK$3,684/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$121,088/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,381
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,080
−HK$1,725/mo
Today · 4.125%
HK$66,805
baseline
▲ 0.50% · 4.625%
HK$70,326
+HK$3,521/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$133,610/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,249
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$75,528
−HK$2,315/mo
Today · 4.125%
HK$77,843
baseline
▲ 0.50% · 4.625%
HK$82,579
+HK$4,736/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$155,686/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,237 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,489
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$83,675
−HK$2,217/mo
Today · 4.125%
HK$85,892
baseline
▲ 0.50% · 4.625%
HK$90,419
+HK$4,527/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$171,784/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,237 · Scale 2, in force from 26 Feb 2026)