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$40,676
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$41,941
−HK$1,285/mo
Today · 4.125%
HK$43,226
baseline
▲ 0.50% · 4.625%
HK$45,857
+HK$2,631/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$86,452/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$668,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,251
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,465
−HK$1,231/mo
Today · 4.125%
HK$47,696
baseline
▲ 0.50% · 4.625%
HK$50,210
+HK$2,514/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$95,392/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$668,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,811
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,329
−HK$1,543/mo
Today · 4.125%
HK$51,872
baseline
▲ 0.50% · 4.625%
HK$55,028
+HK$3,156/mo
Deposit HK$7.14M · loan HK$10.70M · min. income ≈ HK$103,744/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,302
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,758
−HK$1,477/mo
Today · 4.125%
HK$57,235
baseline
▲ 0.50% · 4.625%
HK$60,252
+HK$3,017/mo
Deposit HK$7.14M · loan HK$10.70M · min. income ≈ HK$114,470/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,946
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,717
−HK$1,800/mo
Today · 4.125%
HK$60,517
baseline
▲ 0.50% · 4.625%
HK$64,199
+HK$3,682/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$121,034/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,352
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$65,051
−HK$1,724/mo
Today · 4.125%
HK$66,775
baseline
▲ 0.50% · 4.625%
HK$70,294
+HK$3,519/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$133,550/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,216
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$75,494
−HK$2,314/mo
Today · 4.125%
HK$77,808
baseline
▲ 0.50% · 4.625%
HK$82,542
+HK$4,734/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$155,616/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,934 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,452
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$83,637
−HK$2,216/mo
Today · 4.125%
HK$85,853
baseline
▲ 0.50% · 4.625%
HK$90,378
+HK$4,525/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$171,706/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,934 · Scale 2, in force from 26 Feb 2026)