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$40,705
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,971
−HK$1,287/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$9.59M (deposit + AVD stamp duty HK$669,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,284
−HK$2,446/mo
▼ 0.25% · 3.875%
HK$46,498
−HK$1,232/mo
Today · 4.125%
HK$47,730
baseline
▲ 0.50% · 4.625%
HK$50,246
+HK$2,516/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$95,460/mo (50% DSR)
Upfront cash ≈ HK$9.59M (deposit + AVD stamp duty HK$669,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,846
−HK$3,063/mo
▼ 0.25% · 3.875%
HK$50,365
−HK$1,544/mo
Today · 4.125%
HK$51,909
baseline
▲ 0.50% · 4.625%
HK$55,068
+HK$3,159/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$103,818/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,341
−HK$2,936/mo
▼ 0.25% · 3.875%
HK$55,798
−HK$1,479/mo
Today · 4.125%
HK$57,277
baseline
▲ 0.50% · 4.625%
HK$60,296
+HK$3,019/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$669,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,987
−HK$3,574/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$669,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,397
−HK$3,426/mo
▼ 0.25% · 3.875%
HK$65,098
−HK$1,725/mo
Today · 4.125%
HK$66,823
baseline
▲ 0.50% · 4.625%
HK$70,345
+HK$3,522/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$133,646/mo (50% DSR)
Upfront cash ≈ HK$6.02M (deposit + AVD stamp duty HK$669,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,269
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$75,548
−HK$2,316/mo
Today · 4.125%
HK$77,864
baseline
▲ 0.50% · 4.625%
HK$82,601
+HK$4,737/mo
Deposit HK$1.79M · loan HK$16.07M · min. income ≈ HK$155,728/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,511
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$83,697
−HK$2,218/mo
Today · 4.125%
HK$85,915
baseline
▲ 0.50% · 4.625%
HK$90,443
+HK$4,528/mo
Deposit HK$1.79M · loan HK$16.07M · min. income ≈ HK$171,830/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,415 · Scale 2, in force from 26 Feb 2026)