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$40,739
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,006
−HK$1,288/mo
Today · 4.125%
HK$43,294
baseline
▲ 0.50% · 4.625%
HK$45,928
+HK$2,634/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$86,588/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,322
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,537
−HK$1,233/mo
Today · 4.125%
HK$47,770
baseline
▲ 0.50% · 4.625%
HK$50,288
+HK$2,518/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$95,540/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,887
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$50,408
−HK$1,544/mo
Today · 4.125%
HK$51,952
baseline
▲ 0.50% · 4.625%
HK$55,114
+HK$3,162/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$103,904/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$669,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,386
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,845
−HK$1,479/mo
Today · 4.125%
HK$57,324
baseline
▲ 0.50% · 4.625%
HK$60,346
+HK$3,022/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$114,648/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$669,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,035
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$58,809
−HK$1,802/mo
Today · 4.125%
HK$60,611
baseline
▲ 0.50% · 4.625%
HK$64,299
+HK$3,688/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$121,222/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,450
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,152
−HK$1,727/mo
Today · 4.125%
HK$66,879
baseline
▲ 0.50% · 4.625%
HK$70,404
+HK$3,525/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$133,758/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,330
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$75,611
−HK$2,318/mo
Today · 4.125%
HK$77,929
baseline
▲ 0.50% · 4.625%
HK$82,670
+HK$4,741/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$155,858/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,579
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$83,767
−HK$2,220/mo
Today · 4.125%
HK$85,987
baseline
▲ 0.50% · 4.625%
HK$90,519
+HK$4,532/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$171,974/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,975 · Scale 2, in force from 26 Feb 2026)