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$40,748
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,015
−HK$1,288/mo
Today · 4.125%
HK$43,303
baseline
▲ 0.50% · 4.625%
HK$45,938
+HK$2,635/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$86,606/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,332
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,547
−HK$1,234/mo
Today · 4.125%
HK$47,781
baseline
▲ 0.50% · 4.625%
HK$50,299
+HK$2,518/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$95,562/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,897
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,418
−HK$1,546/mo
Today · 4.125%
HK$51,964
baseline
▲ 0.50% · 4.625%
HK$55,126
+HK$3,162/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$103,928/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,398
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,857
−HK$1,480/mo
Today · 4.125%
HK$57,337
baseline
▲ 0.50% · 4.625%
HK$60,359
+HK$3,022/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$114,674/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,047
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,821
−HK$1,803/mo
Today · 4.125%
HK$60,624
baseline
▲ 0.50% · 4.625%
HK$64,313
+HK$3,689/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$121,248/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,464
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,166
−HK$1,727/mo
Today · 4.125%
HK$66,893
baseline
▲ 0.50% · 4.625%
HK$70,419
+HK$3,526/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$133,786/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,346
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$75,628
−HK$2,318/mo
Today · 4.125%
HK$77,946
baseline
▲ 0.50% · 4.625%
HK$82,688
+HK$4,742/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$155,892/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,120 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,597
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$83,785
−HK$2,220/mo
Today · 4.125%
HK$86,005
baseline
▲ 0.50% · 4.625%
HK$90,539
+HK$4,534/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$172,010/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,120 · Scale 2, in force from 26 Feb 2026)