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$40,706
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,972
−HK$1,286/mo
Today · 4.125%
HK$43,258
baseline
▲ 0.50% · 4.625%
HK$45,890
+HK$2,632/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$86,516/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,285
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,499
−HK$1,232/mo
Today · 4.125%
HK$47,731
baseline
▲ 0.50% · 4.625%
HK$50,247
+HK$2,516/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$95,462/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,847
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,366
−HK$1,544/mo
Today · 4.125%
HK$51,910
baseline
▲ 0.50% · 4.625%
HK$55,068
+HK$3,158/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$103,820/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,341
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,799
−HK$1,478/mo
Today · 4.125%
HK$57,277
baseline
▲ 0.50% · 4.625%
HK$60,297
+HK$3,020/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$114,554/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,988
−HK$3,573/mo
▼ 0.25% · 3.875%
HK$58,760
−HK$1,801/mo
Today · 4.125%
HK$60,561
baseline
▲ 0.50% · 4.625%
HK$64,246
+HK$3,685/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$121,122/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,398
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$65,099
−HK$1,725/mo
Today · 4.125%
HK$66,824
baseline
▲ 0.50% · 4.625%
HK$70,346
+HK$3,522/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$133,648/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,270
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$75,549
−HK$2,316/mo
Today · 4.125%
HK$77,865
baseline
▲ 0.50% · 4.625%
HK$82,603
+HK$4,738/mo
Deposit HK$1.79M · loan HK$16.07M · min. income ≈ HK$155,730/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,425 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,512
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$83,698
−HK$2,218/mo
Today · 4.125%
HK$85,916
baseline
▲ 0.50% · 4.625%
HK$90,445
+HK$4,529/mo
Deposit HK$1.79M · loan HK$16.07M · min. income ≈ HK$171,832/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,425 · Scale 2, in force from 26 Feb 2026)