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$40,721
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$41,988
−HK$1,287/mo
Today · 4.125%
HK$43,275
baseline
▲ 0.50% · 4.625%
HK$45,908
+HK$2,633/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$86,550/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,302
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,517
−HK$1,232/mo
Today · 4.125%
HK$47,749
baseline
▲ 0.50% · 4.625%
HK$50,266
+HK$2,517/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$95,498/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,865
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,385
−HK$1,544/mo
Today · 4.125%
HK$51,929
baseline
▲ 0.50% · 4.625%
HK$55,089
+HK$3,160/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$103,858/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,362
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,820
−HK$1,479/mo
Today · 4.125%
HK$57,299
baseline
▲ 0.50% · 4.625%
HK$60,319
+HK$3,020/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$114,598/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,009
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$58,783
−HK$1,801/mo
Today · 4.125%
HK$60,584
baseline
▲ 0.50% · 4.625%
HK$64,271
+HK$3,687/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$121,168/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,422
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,123
−HK$1,726/mo
Today · 4.125%
HK$66,849
baseline
▲ 0.50% · 4.625%
HK$70,373
+HK$3,524/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$133,698/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,298
−HK$4,596/mo
▼ 0.25% · 3.875%
HK$75,578
−HK$2,316/mo
Today · 4.125%
HK$77,894
baseline
▲ 0.50% · 4.625%
HK$82,634
+HK$4,740/mo
Deposit HK$1.79M · loan HK$16.07M · min. income ≈ HK$155,788/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,543
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$83,730
−HK$2,219/mo
Today · 4.125%
HK$85,949
baseline
▲ 0.50% · 4.625%
HK$90,479
+HK$4,530/mo
Deposit HK$1.79M · loan HK$16.07M · min. income ≈ HK$171,898/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,678 · Scale 2, in force from 26 Feb 2026)