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$40,719
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,985
−HK$1,287/mo
Today · 4.125%
HK$43,272
baseline
▲ 0.50% · 4.625%
HK$45,905
+HK$2,633/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$86,544/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,299
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,514
−HK$1,232/mo
Today · 4.125%
HK$47,746
baseline
▲ 0.50% · 4.625%
HK$50,263
+HK$2,517/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$669,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,862
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,382
−HK$1,544/mo
Today · 4.125%
HK$51,926
baseline
▲ 0.50% · 4.625%
HK$55,086
+HK$3,160/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$669,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,359
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,817
−HK$1,479/mo
Today · 4.125%
HK$57,296
baseline
▲ 0.50% · 4.625%
HK$60,316
+HK$3,020/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$114,592/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,006
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$58,779
−HK$1,802/mo
Today · 4.125%
HK$60,581
baseline
▲ 0.50% · 4.625%
HK$64,267
+HK$3,686/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$121,162/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,419
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$65,119
−HK$1,726/mo
Today · 4.125%
HK$66,845
baseline
▲ 0.50% · 4.625%
HK$70,368
+HK$3,523/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$133,690/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,293
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$75,573
−HK$2,317/mo
Today · 4.125%
HK$77,890
baseline
▲ 0.50% · 4.625%
HK$82,629
+HK$4,739/mo
Deposit HK$1.79M · loan HK$16.07M · min. income ≈ HK$155,780/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,638 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,538
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$83,725
−HK$2,218/mo
Today · 4.125%
HK$85,943
baseline
▲ 0.50% · 4.625%
HK$90,474
+HK$4,531/mo
Deposit HK$1.79M · loan HK$16.07M · min. income ≈ HK$171,886/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,638 · Scale 2, in force from 26 Feb 2026)