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$40,709
−HK$2,552/mo
▼ 0.25% · 3.875%
HK$41,975
−HK$1,286/mo
Today · 4.125%
HK$43,261
baseline
▲ 0.50% · 4.625%
HK$45,894
+HK$2,633/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$86,522/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,288
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,502
−HK$1,233/mo
Today · 4.125%
HK$47,735
baseline
▲ 0.50% · 4.625%
HK$50,251
+HK$2,516/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$95,470/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,850
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,370
−HK$1,544/mo
Today · 4.125%
HK$51,914
baseline
▲ 0.50% · 4.625%
HK$55,072
+HK$3,158/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$103,828/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,345
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,803
−HK$1,479/mo
Today · 4.125%
HK$57,282
baseline
▲ 0.50% · 4.625%
HK$60,301
+HK$3,019/mo
Deposit HK$7.14M · loan HK$10.71M · min. income ≈ HK$114,564/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,992
−HK$3,574/mo
▼ 0.25% · 3.875%
HK$58,765
−HK$1,801/mo
Today · 4.125%
HK$60,566
baseline
▲ 0.50% · 4.625%
HK$64,251
+HK$3,685/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$121,132/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,403
−HK$3,425/mo
▼ 0.25% · 3.875%
HK$65,103
−HK$1,725/mo
Today · 4.125%
HK$66,828
baseline
▲ 0.50% · 4.625%
HK$70,351
+HK$3,523/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$133,656/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,275
−HK$4,595/mo
▼ 0.25% · 3.875%
HK$75,555
−HK$2,315/mo
Today · 4.125%
HK$77,870
baseline
▲ 0.50% · 4.625%
HK$82,609
+HK$4,739/mo
Deposit HK$1.79M · loan HK$16.07M · min. income ≈ HK$155,740/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,474 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,518
−HK$4,404/mo
▼ 0.25% · 3.875%
HK$83,704
−HK$2,218/mo
Today · 4.125%
HK$85,922
baseline
▲ 0.50% · 4.625%
HK$90,451
+HK$4,529/mo
Deposit HK$1.79M · loan HK$16.07M · min. income ≈ HK$171,844/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$669,474 · Scale 2, in force from 26 Feb 2026)