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$40,670
−HK$2,550/mo
▼ 0.25% · 3.875%
HK$41,935
−HK$1,285/mo
Today · 4.125%
HK$43,220
baseline
▲ 0.50% · 4.625%
HK$45,850
+HK$2,630/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$668,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,245
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,458
−HK$1,231/mo
Today · 4.125%
HK$47,689
baseline
▲ 0.50% · 4.625%
HK$50,203
+HK$2,514/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$668,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,804
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,322
−HK$1,543/mo
Today · 4.125%
HK$51,865
baseline
▲ 0.50% · 4.625%
HK$55,020
+HK$3,155/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$103,730/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,294
−HK$2,933/mo
▼ 0.25% · 3.875%
HK$55,750
−HK$1,477/mo
Today · 4.125%
HK$57,227
baseline
▲ 0.50% · 4.625%
HK$60,244
+HK$3,017/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$114,454/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,938
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,709
−HK$1,800/mo
Today · 4.125%
HK$60,509
baseline
▲ 0.50% · 4.625%
HK$64,190
+HK$3,681/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$121,018/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,343
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,042
−HK$1,723/mo
Today · 4.125%
HK$66,765
baseline
▲ 0.50% · 4.625%
HK$70,285
+HK$3,520/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$133,530/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,206
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$75,483
−HK$2,314/mo
Today · 4.125%
HK$77,797
baseline
▲ 0.50% · 4.625%
HK$82,531
+HK$4,734/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$155,594/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,441
−HK$4,400/mo
▼ 0.25% · 3.875%
HK$83,625
−HK$2,216/mo
Today · 4.125%
HK$85,841
baseline
▲ 0.50% · 4.625%
HK$90,366
+HK$4,525/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$171,682/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,841 · Scale 2, in force from 26 Feb 2026)