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$40,714
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,980
−HK$1,287/mo
Today · 4.125%
HK$43,267
baseline
▲ 0.50% · 4.625%
HK$45,899
+HK$2,632/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$86,534/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,293
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,508
−HK$1,233/mo
Today · 4.125%
HK$47,741
baseline
▲ 0.50% · 4.625%
HK$50,257
+HK$2,516/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$95,482/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,856
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,376
−HK$1,544/mo
Today · 4.125%
HK$51,920
baseline
▲ 0.50% · 4.625%
HK$55,079
+HK$3,159/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$103,840/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,352
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,810
−HK$1,479/mo
Today · 4.125%
HK$57,289
baseline
▲ 0.50% · 4.625%
HK$60,308
+HK$3,019/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$114,578/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,999
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$58,772
−HK$1,801/mo
Today · 4.125%
HK$60,573
baseline
▲ 0.50% · 4.625%
HK$64,259
+HK$3,686/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$121,146/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,411
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$65,112
−HK$1,725/mo
Today · 4.125%
HK$66,837
baseline
▲ 0.50% · 4.625%
HK$70,360
+HK$3,523/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$133,674/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,285
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$75,564
−HK$2,316/mo
Today · 4.125%
HK$77,880
baseline
▲ 0.50% · 4.625%
HK$82,619
+HK$4,739/mo
Deposit HK$1.79M · loan HK$16.07M · min. income ≈ HK$155,760/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,557 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,528
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$83,715
−HK$2,218/mo
Today · 4.125%
HK$85,933
baseline
▲ 0.50% · 4.625%
HK$90,463
+HK$4,530/mo
Deposit HK$1.79M · loan HK$16.07M · min. income ≈ HK$171,866/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,557 · Scale 2, in force from 26 Feb 2026)