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$40,653
−HK$2,549/mo
▼ 0.25% · 3.875%
HK$41,917
−HK$1,285/mo
Today · 4.125%
HK$43,202
baseline
▲ 0.50% · 4.625%
HK$45,831
+HK$2,629/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$86,404/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,226
−HK$2,443/mo
▼ 0.25% · 3.875%
HK$46,439
−HK$1,230/mo
Today · 4.125%
HK$47,669
baseline
▲ 0.50% · 4.625%
HK$50,182
+HK$2,513/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$95,338/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,783
−HK$3,059/mo
▼ 0.25% · 3.875%
HK$50,301
−HK$1,541/mo
Today · 4.125%
HK$51,842
baseline
▲ 0.50% · 4.625%
HK$54,997
+HK$3,155/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$103,684/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,271
−HK$2,932/mo
▼ 0.25% · 3.875%
HK$55,726
−HK$1,477/mo
Today · 4.125%
HK$57,203
baseline
▲ 0.50% · 4.625%
HK$60,218
+HK$3,015/mo
Deposit HK$7.13M · loan HK$10.70M · min. income ≈ HK$114,406/mo (50% DSR)
Upfront cash ≈ HK$7.80M (deposit + AVD stamp duty HK$668,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,914
−HK$3,569/mo
▼ 0.25% · 3.875%
HK$58,684
−HK$1,799/mo
Today · 4.125%
HK$60,483
baseline
▲ 0.50% · 4.625%
HK$64,163
+HK$3,680/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$120,966/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,316
−HK$3,421/mo
▼ 0.25% · 3.875%
HK$65,014
−HK$1,723/mo
Today · 4.125%
HK$66,737
baseline
▲ 0.50% · 4.625%
HK$70,255
+HK$3,518/mo
Deposit HK$5.35M · loan HK$12.48M · min. income ≈ HK$133,474/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$668,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,175
−HK$4,589/mo
▼ 0.25% · 3.875%
HK$75,451
−HK$2,313/mo
Today · 4.125%
HK$77,764
baseline
▲ 0.50% · 4.625%
HK$82,495
+HK$4,731/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$155,528/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,555 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,406
−HK$4,398/mo
▼ 0.25% · 3.875%
HK$83,590
−HK$2,214/mo
Today · 4.125%
HK$85,804
baseline
▲ 0.50% · 4.625%
HK$90,327
+HK$4,523/mo
Deposit HK$1.78M · loan HK$16.05M · min. income ≈ HK$171,608/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,555 · Scale 2, in force from 26 Feb 2026)