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$40,703
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,969
−HK$1,287/mo
Today · 4.125%
HK$43,256
baseline
▲ 0.50% · 4.625%
HK$45,888
+HK$2,632/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$86,512/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,282
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,496
−HK$1,232/mo
Today · 4.125%
HK$47,728
baseline
▲ 0.50% · 4.625%
HK$50,244
+HK$2,516/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$95,456/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,844
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,363
−HK$1,544/mo
Today · 4.125%
HK$51,907
baseline
▲ 0.50% · 4.625%
HK$55,065
+HK$3,158/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$103,814/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,338
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,795
−HK$1,479/mo
Today · 4.125%
HK$57,274
baseline
▲ 0.50% · 4.625%
HK$60,293
+HK$3,019/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$114,548/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,984
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$58,757
−HK$1,801/mo
Today · 4.125%
HK$60,558
baseline
▲ 0.50% · 4.625%
HK$64,243
+HK$3,685/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$121,116/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,395
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,095
−HK$1,725/mo
Today · 4.125%
HK$66,820
baseline
▲ 0.50% · 4.625%
HK$70,342
+HK$3,522/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$133,640/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,266
−HK$4,594/mo
▼ 0.25% · 3.875%
HK$75,545
−HK$2,315/mo
Today · 4.125%
HK$77,860
baseline
▲ 0.50% · 4.625%
HK$82,598
+HK$4,738/mo
Deposit HK$1.79M · loan HK$16.07M · min. income ≈ HK$155,720/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,384 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,507
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$83,693
−HK$2,218/mo
Today · 4.125%
HK$85,911
baseline
▲ 0.50% · 4.625%
HK$90,439
+HK$4,528/mo
Deposit HK$1.79M · loan HK$16.07M · min. income ≈ HK$171,822/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,384 · Scale 2, in force from 26 Feb 2026)