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$40,708
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,974
−HK$1,287/mo
Today · 4.125%
HK$43,261
baseline
▲ 0.50% · 4.625%
HK$45,893
+HK$2,632/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$86,522/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,287
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,502
−HK$1,232/mo
Today · 4.125%
HK$47,734
baseline
▲ 0.50% · 4.625%
HK$50,250
+HK$2,516/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$95,468/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,850
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,369
−HK$1,544/mo
Today · 4.125%
HK$51,913
baseline
▲ 0.50% · 4.625%
HK$55,072
+HK$3,159/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$103,826/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,345
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,802
−HK$1,479/mo
Today · 4.125%
HK$57,281
baseline
▲ 0.50% · 4.625%
HK$60,300
+HK$3,019/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$114,562/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,991
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$58,764
−HK$1,801/mo
Today · 4.125%
HK$60,565
baseline
▲ 0.50% · 4.625%
HK$64,250
+HK$3,685/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$121,130/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,402
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$65,103
−HK$1,725/mo
Today · 4.125%
HK$66,828
baseline
▲ 0.50% · 4.625%
HK$70,350
+HK$3,522/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$133,656/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,274
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$75,554
−HK$2,315/mo
Today · 4.125%
HK$77,869
baseline
▲ 0.50% · 4.625%
HK$82,608
+HK$4,739/mo
Deposit HK$1.79M · loan HK$16.07M · min. income ≈ HK$155,738/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,465 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,517
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$83,703
−HK$2,218/mo
Today · 4.125%
HK$85,921
baseline
▲ 0.50% · 4.625%
HK$90,450
+HK$4,529/mo
Deposit HK$1.79M · loan HK$16.07M · min. income ≈ HK$171,842/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,465 · Scale 2, in force from 26 Feb 2026)