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$40,680
−HK$2,551/mo
▼ 0.25% · 3.875%
HK$41,946
−HK$1,285/mo
Today · 4.125%
HK$43,231
baseline
▲ 0.50% · 4.625%
HK$45,862
+HK$2,631/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$86,462/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,257
−HK$2,445/mo
▼ 0.25% · 3.875%
HK$46,470
−HK$1,232/mo
Today · 4.125%
HK$47,702
baseline
▲ 0.50% · 4.625%
HK$50,216
+HK$2,514/mo
Deposit HK$8.92M · loan HK$8.92M · min. income ≈ HK$95,404/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,816
−HK$3,062/mo
▼ 0.25% · 3.875%
HK$50,335
−HK$1,543/mo
Today · 4.125%
HK$51,878
baseline
▲ 0.50% · 4.625%
HK$55,034
+HK$3,156/mo
Deposit HK$7.14M · loan HK$10.70M · min. income ≈ HK$103,756/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,308
−HK$2,934/mo
▼ 0.25% · 3.875%
HK$55,764
−HK$1,478/mo
Today · 4.125%
HK$57,242
baseline
▲ 0.50% · 4.625%
HK$60,259
+HK$3,017/mo
Deposit HK$7.14M · loan HK$10.70M · min. income ≈ HK$114,484/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,953
−HK$3,571/mo
▼ 0.25% · 3.875%
HK$58,724
−HK$1,800/mo
Today · 4.125%
HK$60,524
baseline
▲ 0.50% · 4.625%
HK$64,207
+HK$3,683/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$121,048/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,359
−HK$3,423/mo
▼ 0.25% · 3.875%
HK$65,058
−HK$1,724/mo
Today · 4.125%
HK$66,782
baseline
▲ 0.50% · 4.625%
HK$70,302
+HK$3,520/mo
Deposit HK$5.35M · loan HK$12.49M · min. income ≈ HK$133,564/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,225
−HK$4,592/mo
▼ 0.25% · 3.875%
HK$75,502
−HK$2,315/mo
Today · 4.125%
HK$77,817
baseline
▲ 0.50% · 4.625%
HK$82,552
+HK$4,735/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$155,634/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,011 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,462
−HK$4,401/mo
▼ 0.25% · 3.875%
HK$83,647
−HK$2,216/mo
Today · 4.125%
HK$85,863
baseline
▲ 0.50% · 4.625%
HK$90,389
+HK$4,526/mo
Deposit HK$1.78M · loan HK$16.06M · min. income ≈ HK$171,726/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,011 · Scale 2, in force from 26 Feb 2026)