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$40,733
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$42,000
−HK$1,287/mo
Today · 4.125%
HK$43,287
baseline
▲ 0.50% · 4.625%
HK$45,921
+HK$2,634/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$86,574/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,315
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,531
−HK$1,232/mo
Today · 4.125%
HK$47,763
baseline
▲ 0.50% · 4.625%
HK$50,281
+HK$2,518/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$95,526/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,880
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$50,400
−HK$1,545/mo
Today · 4.125%
HK$51,945
baseline
▲ 0.50% · 4.625%
HK$55,106
+HK$3,161/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$103,890/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$669,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,378
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,837
−HK$1,479/mo
Today · 4.125%
HK$57,316
baseline
▲ 0.50% · 4.625%
HK$60,337
+HK$3,021/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$114,632/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$669,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,026
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$58,800
−HK$1,802/mo
Today · 4.125%
HK$60,602
baseline
▲ 0.50% · 4.625%
HK$64,290
+HK$3,688/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$121,204/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,441
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$65,143
−HK$1,726/mo
Today · 4.125%
HK$66,869
baseline
▲ 0.50% · 4.625%
HK$70,394
+HK$3,525/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$133,738/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,320
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$75,600
−HK$2,317/mo
Today · 4.125%
HK$77,917
baseline
▲ 0.50% · 4.625%
HK$82,659
+HK$4,742/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$155,834/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,878 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,567
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$83,755
−HK$2,219/mo
Today · 4.125%
HK$85,974
baseline
▲ 0.50% · 4.625%
HK$90,506
+HK$4,532/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$171,948/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,878 · Scale 2, in force from 26 Feb 2026)