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$40,737
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,004
−HK$1,288/mo
Today · 4.125%
HK$43,292
baseline
▲ 0.50% · 4.625%
HK$45,926
+HK$2,634/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$86,584/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,319
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,535
−HK$1,233/mo
Today · 4.125%
HK$47,768
baseline
▲ 0.50% · 4.625%
HK$50,286
+HK$2,518/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$95,536/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,884
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$50,405
−HK$1,545/mo
Today · 4.125%
HK$51,950
baseline
▲ 0.50% · 4.625%
HK$55,111
+HK$3,161/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$103,900/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$669,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,383
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,842
−HK$1,480/mo
Today · 4.125%
HK$57,322
baseline
▲ 0.50% · 4.625%
HK$60,343
+HK$3,021/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$114,644/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$669,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,032
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$58,806
−HK$1,802/mo
Today · 4.125%
HK$60,608
baseline
▲ 0.50% · 4.625%
HK$64,296
+HK$3,688/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$121,216/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,447
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$65,149
−HK$1,726/mo
Today · 4.125%
HK$66,875
baseline
▲ 0.50% · 4.625%
HK$70,400
+HK$3,525/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$133,750/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,327
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$75,607
−HK$2,318/mo
Today · 4.125%
HK$77,925
baseline
▲ 0.50% · 4.625%
HK$82,666
+HK$4,741/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$155,850/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,941 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,575
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$83,763
−HK$2,219/mo
Today · 4.125%
HK$85,982
baseline
▲ 0.50% · 4.625%
HK$90,515
+HK$4,533/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$171,964/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,941 · Scale 2, in force from 26 Feb 2026)