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$40,718
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,985
−HK$1,286/mo
Today · 4.125%
HK$43,271
baseline
▲ 0.50% · 4.625%
HK$45,904
+HK$2,633/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$86,542/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,298
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,513
−HK$1,233/mo
Today · 4.125%
HK$47,746
baseline
▲ 0.50% · 4.625%
HK$50,262
+HK$2,516/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$95,492/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,862
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,381
−HK$1,545/mo
Today · 4.125%
HK$51,926
baseline
▲ 0.50% · 4.625%
HK$55,085
+HK$3,159/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$103,852/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,358
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,816
−HK$1,479/mo
Today · 4.125%
HK$57,295
baseline
▲ 0.50% · 4.625%
HK$60,315
+HK$3,020/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$114,590/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,005
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$58,778
−HK$1,802/mo
Today · 4.125%
HK$60,580
baseline
▲ 0.50% · 4.625%
HK$64,266
+HK$3,686/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$121,160/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,418
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$65,119
−HK$1,725/mo
Today · 4.125%
HK$66,844
baseline
▲ 0.50% · 4.625%
HK$70,367
+HK$3,523/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$133,688/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,292
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$75,572
−HK$2,316/mo
Today · 4.125%
HK$77,888
baseline
▲ 0.50% · 4.625%
HK$82,628
+HK$4,740/mo
Deposit HK$1.79M · loan HK$16.07M · min. income ≈ HK$155,776/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,629 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,537
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$83,724
−HK$2,218/mo
Today · 4.125%
HK$85,942
baseline
▲ 0.50% · 4.625%
HK$90,472
+HK$4,530/mo
Deposit HK$1.79M · loan HK$16.07M · min. income ≈ HK$171,884/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,629 · Scale 2, in force from 26 Feb 2026)