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$40,729
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$41,996
−HK$1,287/mo
Today · 4.125%
HK$43,283
baseline
▲ 0.50% · 4.625%
HK$45,916
+HK$2,633/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$86,566/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,310
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,525
−HK$1,233/mo
Today · 4.125%
HK$47,758
baseline
▲ 0.50% · 4.625%
HK$50,276
+HK$2,518/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$95,516/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,874
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$50,395
−HK$1,544/mo
Today · 4.125%
HK$51,939
baseline
▲ 0.50% · 4.625%
HK$55,100
+HK$3,161/mo
Deposit HK$7.14M · loan HK$10.72M · min. income ≈ HK$103,878/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,372
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,830
−HK$1,480/mo
Today · 4.125%
HK$57,310
baseline
▲ 0.50% · 4.625%
HK$60,331
+HK$3,021/mo
Deposit HK$7.14M · loan HK$10.72M · min. income ≈ HK$114,620/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,020
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$58,794
−HK$1,802/mo
Today · 4.125%
HK$60,596
baseline
▲ 0.50% · 4.625%
HK$64,283
+HK$3,687/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$121,192/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,434
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,136
−HK$1,725/mo
Today · 4.125%
HK$66,861
baseline
▲ 0.50% · 4.625%
HK$70,386
+HK$3,525/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$133,722/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,312
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$75,592
−HK$2,317/mo
Today · 4.125%
HK$77,909
baseline
▲ 0.50% · 4.625%
HK$82,649
+HK$4,740/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$155,818/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,804 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,558
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$83,746
−HK$2,219/mo
Today · 4.125%
HK$85,965
baseline
▲ 0.50% · 4.625%
HK$90,496
+HK$4,531/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$171,930/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,804 · Scale 2, in force from 26 Feb 2026)