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$40,684
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,950
−HK$1,286/mo
Today · 4.125%
HK$43,236
baseline
▲ 0.50% · 4.625%
HK$45,866
+HK$2,630/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$86,472/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,261
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,475
−HK$1,231/mo
Today · 4.125%
HK$47,706
baseline
▲ 0.50% · 4.625%
HK$50,221
+HK$2,515/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$95,412/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,821
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,340
−HK$1,543/mo
Today · 4.125%
HK$51,883
baseline
▲ 0.50% · 4.625%
HK$55,040
+HK$3,157/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$103,766/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,313
−HK$2,935/mo
▼ 0.25% · 3.875%
HK$55,770
−HK$1,478/mo
Today · 4.125%
HK$57,248
baseline
▲ 0.50% · 4.625%
HK$60,265
+HK$3,017/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$114,496/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,958
−HK$3,572/mo
▼ 0.25% · 3.875%
HK$58,730
−HK$1,800/mo
Today · 4.125%
HK$60,530
baseline
▲ 0.50% · 4.625%
HK$64,213
+HK$3,683/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$121,060/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,365
−HK$3,424/mo
▼ 0.25% · 3.875%
HK$65,065
−HK$1,724/mo
Today · 4.125%
HK$66,789
baseline
▲ 0.50% · 4.625%
HK$70,309
+HK$3,520/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$133,578/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,232
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$75,510
−HK$2,314/mo
Today · 4.125%
HK$77,824
baseline
▲ 0.50% · 4.625%
HK$82,560
+HK$4,736/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$155,648/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,077 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,470
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$83,655
−HK$2,216/mo
Today · 4.125%
HK$85,871
baseline
▲ 0.50% · 4.625%
HK$90,398
+HK$4,527/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$171,742/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,077 · Scale 2, in force from 26 Feb 2026)