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$40,673
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,938
−HK$1,286/mo
Today · 4.125%
HK$43,224
baseline
▲ 0.50% · 4.625%
HK$45,854
+HK$2,630/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$86,448/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$668,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,249
−HK$2,444/mo
▼ 0.25% · 3.875%
HK$46,462
−HK$1,231/mo
Today · 4.125%
HK$47,693
baseline
▲ 0.50% · 4.625%
HK$50,207
+HK$2,514/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$95,386/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$668,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,808
−HK$3,061/mo
▼ 0.25% · 3.875%
HK$50,326
−HK$1,543/mo
Today · 4.125%
HK$51,869
baseline
▲ 0.50% · 4.625%
HK$55,025
+HK$3,156/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$103,738/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,298
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,754
−HK$1,478/mo
Today · 4.125%
HK$57,232
baseline
▲ 0.50% · 4.625%
HK$60,249
+HK$3,017/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$114,464/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,942
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,714
−HK$1,799/mo
Today · 4.125%
HK$60,513
baseline
▲ 0.50% · 4.625%
HK$64,195
+HK$3,682/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$121,026/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,348
−HK$3,422/mo
▼ 0.25% · 3.875%
HK$65,047
−HK$1,723/mo
Today · 4.125%
HK$66,770
baseline
▲ 0.50% · 4.625%
HK$70,290
+HK$3,520/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$133,540/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,212
−HK$4,591/mo
▼ 0.25% · 3.875%
HK$75,489
−HK$2,314/mo
Today · 4.125%
HK$77,803
baseline
▲ 0.50% · 4.625%
HK$82,537
+HK$4,734/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$155,606/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,892 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,447
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$83,632
−HK$2,216/mo
Today · 4.125%
HK$85,848
baseline
▲ 0.50% · 4.625%
HK$90,373
+HK$4,525/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$171,696/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,892 · Scale 2, in force from 26 Feb 2026)