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$40,712
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,979
−HK$1,286/mo
Today · 4.125%
HK$43,265
baseline
▲ 0.50% · 4.625%
HK$45,898
+HK$2,633/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$86,530/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,292
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,507
−HK$1,232/mo
Today · 4.125%
HK$47,739
baseline
▲ 0.50% · 4.625%
HK$50,255
+HK$2,516/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$95,478/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,855
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,374
−HK$1,544/mo
Today · 4.125%
HK$51,918
baseline
▲ 0.50% · 4.625%
HK$55,077
+HK$3,159/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$103,836/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,350
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,808
−HK$1,479/mo
Today · 4.125%
HK$57,287
baseline
▲ 0.50% · 4.625%
HK$60,306
+HK$3,019/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$114,574/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,997
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$58,770
−HK$1,801/mo
Today · 4.125%
HK$60,571
baseline
▲ 0.50% · 4.625%
HK$64,257
+HK$3,686/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$121,142/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,409
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$65,109
−HK$1,726/mo
Today · 4.125%
HK$66,835
baseline
▲ 0.50% · 4.625%
HK$70,358
+HK$3,523/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$133,670/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,282
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$75,562
−HK$2,316/mo
Today · 4.125%
HK$77,878
baseline
▲ 0.50% · 4.625%
HK$82,616
+HK$4,738/mo
Deposit HK$1.79M · loan HK$16.07M · min. income ≈ HK$155,756/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,526
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$83,712
−HK$2,218/mo
Today · 4.125%
HK$85,930
baseline
▲ 0.50% · 4.625%
HK$90,460
+HK$4,530/mo
Deposit HK$1.79M · loan HK$16.07M · min. income ≈ HK$171,860/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,535 · Scale 2, in force from 26 Feb 2026)