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$40,733
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$42,000
−HK$1,287/mo
Today · 4.125%
HK$43,287
baseline
▲ 0.50% · 4.625%
HK$45,921
+HK$2,634/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$86,574/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,315
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,530
−HK$1,233/mo
Today · 4.125%
HK$47,763
baseline
▲ 0.50% · 4.625%
HK$50,280
+HK$2,517/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$95,526/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,879
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$50,400
−HK$1,544/mo
Today · 4.125%
HK$51,944
baseline
▲ 0.50% · 4.625%
HK$55,105
+HK$3,161/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$103,888/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$669,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,378
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,836
−HK$1,479/mo
Today · 4.125%
HK$57,315
baseline
▲ 0.50% · 4.625%
HK$60,337
+HK$3,022/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$114,630/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$669,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,026
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$58,799
−HK$1,803/mo
Today · 4.125%
HK$60,602
baseline
▲ 0.50% · 4.625%
HK$64,289
+HK$3,687/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$121,204/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,440
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$65,142
−HK$1,726/mo
Today · 4.125%
HK$66,868
baseline
▲ 0.50% · 4.625%
HK$70,393
+HK$3,525/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$133,736/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,319
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$75,599
−HK$2,317/mo
Today · 4.125%
HK$77,916
baseline
▲ 0.50% · 4.625%
HK$82,657
+HK$4,741/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$155,832/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,869 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,566
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$83,754
−HK$2,219/mo
Today · 4.125%
HK$85,973
baseline
▲ 0.50% · 4.625%
HK$90,505
+HK$4,532/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$171,946/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,869 · Scale 2, in force from 26 Feb 2026)