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$40,699
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,965
−HK$1,286/mo
Today · 4.125%
HK$43,251
baseline
▲ 0.50% · 4.625%
HK$45,883
+HK$2,632/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$86,502/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,277
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,492
−HK$1,231/mo
Today · 4.125%
HK$47,723
baseline
▲ 0.50% · 4.625%
HK$50,239
+HK$2,516/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$95,446/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,839
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,358
−HK$1,543/mo
Today · 4.125%
HK$51,901
baseline
▲ 0.50% · 4.625%
HK$55,060
+HK$3,159/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$103,802/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,333
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,790
−HK$1,478/mo
Today · 4.125%
HK$57,268
baseline
▲ 0.50% · 4.625%
HK$60,287
+HK$3,019/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$114,536/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,979
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,751
−HK$1,801/mo
Today · 4.125%
HK$60,552
baseline
▲ 0.50% · 4.625%
HK$64,236
+HK$3,684/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$121,104/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,388
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,088
−HK$1,725/mo
Today · 4.125%
HK$66,813
baseline
▲ 0.50% · 4.625%
HK$70,335
+HK$3,522/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$133,626/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,258
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$75,537
−HK$2,315/mo
Today · 4.125%
HK$77,852
baseline
▲ 0.50% · 4.625%
HK$82,589
+HK$4,737/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$155,704/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,499
−HK$4,403/mo
▼ 0.25% · 3.875%
HK$83,685
−HK$2,217/mo
Today · 4.125%
HK$85,902
baseline
▲ 0.50% · 4.625%
HK$90,430
+HK$4,528/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$171,804/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,317 · Scale 2, in force from 26 Feb 2026)