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$40,720
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,986
−HK$1,287/mo
Today · 4.125%
HK$43,273
baseline
▲ 0.50% · 4.625%
HK$45,906
+HK$2,633/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$86,546/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,300
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,515
−HK$1,233/mo
Today · 4.125%
HK$47,748
baseline
▲ 0.50% · 4.625%
HK$50,265
+HK$2,517/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$95,496/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,864
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,384
−HK$1,544/mo
Today · 4.125%
HK$51,928
baseline
▲ 0.50% · 4.625%
HK$55,087
+HK$3,159/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$103,856/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,360
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,818
−HK$1,479/mo
Today · 4.125%
HK$57,297
baseline
▲ 0.50% · 4.625%
HK$60,317
+HK$3,020/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$114,594/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,008
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$58,781
−HK$1,801/mo
Today · 4.125%
HK$60,582
baseline
▲ 0.50% · 4.625%
HK$64,269
+HK$3,687/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$121,164/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,420
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,121
−HK$1,726/mo
Today · 4.125%
HK$66,847
baseline
▲ 0.50% · 4.625%
HK$70,370
+HK$3,523/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$133,694/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,295
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$75,575
−HK$2,317/mo
Today · 4.125%
HK$77,892
baseline
▲ 0.50% · 4.625%
HK$82,631
+HK$4,739/mo
Deposit HK$1.79M · loan HK$16.07M · min. income ≈ HK$155,784/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,657 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,540
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$83,727
−HK$2,219/mo
Today · 4.125%
HK$85,946
baseline
▲ 0.50% · 4.625%
HK$90,476
+HK$4,530/mo
Deposit HK$1.79M · loan HK$16.07M · min. income ≈ HK$171,892/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,657 · Scale 2, in force from 26 Feb 2026)