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$40,736
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,004
−HK$1,287/mo
Today · 4.125%
HK$43,291
baseline
▲ 0.50% · 4.625%
HK$45,925
+HK$2,634/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$86,582/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,319
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,534
−HK$1,233/mo
Today · 4.125%
HK$47,767
baseline
▲ 0.50% · 4.625%
HK$50,285
+HK$2,518/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$95,534/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,884
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$50,404
−HK$1,545/mo
Today · 4.125%
HK$51,949
baseline
▲ 0.50% · 4.625%
HK$55,110
+HK$3,161/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$103,898/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$669,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,383
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,841
−HK$1,480/mo
Today · 4.125%
HK$57,321
baseline
▲ 0.50% · 4.625%
HK$60,342
+HK$3,021/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$114,642/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$669,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,031
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$58,805
−HK$1,802/mo
Today · 4.125%
HK$60,607
baseline
▲ 0.50% · 4.625%
HK$64,295
+HK$3,688/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$121,214/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,446
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$65,148
−HK$1,726/mo
Today · 4.125%
HK$66,874
baseline
▲ 0.50% · 4.625%
HK$70,399
+HK$3,525/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$133,748/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,325
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$75,606
−HK$2,318/mo
Today · 4.125%
HK$77,924
baseline
▲ 0.50% · 4.625%
HK$82,665
+HK$4,741/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$155,848/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,574
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$83,762
−HK$2,219/mo
Today · 4.125%
HK$85,981
baseline
▲ 0.50% · 4.625%
HK$90,513
+HK$4,532/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$171,962/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,931 · Scale 2, in force from 26 Feb 2026)