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$40,717
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$41,984
−HK$1,287/mo
Today · 4.125%
HK$43,271
baseline
▲ 0.50% · 4.625%
HK$45,903
+HK$2,632/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$86,542/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,298
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,512
−HK$1,233/mo
Today · 4.125%
HK$47,745
baseline
▲ 0.50% · 4.625%
HK$50,261
+HK$2,516/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$95,490/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,861
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,381
−HK$1,544/mo
Today · 4.125%
HK$51,925
baseline
▲ 0.50% · 4.625%
HK$55,084
+HK$3,159/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$103,850/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,357
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,815
−HK$1,479/mo
Today · 4.125%
HK$57,294
baseline
▲ 0.50% · 4.625%
HK$60,314
+HK$3,020/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$114,588/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,004
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$58,777
−HK$1,802/mo
Today · 4.125%
HK$60,579
baseline
▲ 0.50% · 4.625%
HK$64,265
+HK$3,686/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$121,158/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,417
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$65,117
−HK$1,726/mo
Today · 4.125%
HK$66,843
baseline
▲ 0.50% · 4.625%
HK$70,366
+HK$3,523/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$133,686/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,291
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$75,571
−HK$2,316/mo
Today · 4.125%
HK$77,887
baseline
▲ 0.50% · 4.625%
HK$82,626
+HK$4,739/mo
Deposit HK$1.79M · loan HK$16.07M · min. income ≈ HK$155,774/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,536
−HK$4,405/mo
▼ 0.25% · 3.875%
HK$83,722
−HK$2,219/mo
Today · 4.125%
HK$85,941
baseline
▲ 0.50% · 4.625%
HK$90,471
+HK$4,530/mo
Deposit HK$1.79M · loan HK$16.07M · min. income ≈ HK$171,882/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,616 · Scale 2, in force from 26 Feb 2026)