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$40,730
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$41,997
−HK$1,287/mo
Today · 4.125%
HK$43,284
baseline
▲ 0.50% · 4.625%
HK$45,918
+HK$2,634/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$86,568/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,311
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,527
−HK$1,232/mo
Today · 4.125%
HK$47,759
baseline
▲ 0.50% · 4.625%
HK$50,277
+HK$2,518/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$95,518/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,876
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$50,396
−HK$1,545/mo
Today · 4.125%
HK$51,941
baseline
▲ 0.50% · 4.625%
HK$55,101
+HK$3,160/mo
Deposit HK$7.14M · loan HK$10.72M · min. income ≈ HK$103,882/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,374
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,832
−HK$1,479/mo
Today · 4.125%
HK$57,311
baseline
▲ 0.50% · 4.625%
HK$60,332
+HK$3,021/mo
Deposit HK$7.14M · loan HK$10.72M · min. income ≈ HK$114,622/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,022
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$58,795
−HK$1,802/mo
Today · 4.125%
HK$60,597
baseline
▲ 0.50% · 4.625%
HK$64,285
+HK$3,688/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$121,194/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,436
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,137
−HK$1,726/mo
Today · 4.125%
HK$66,863
baseline
▲ 0.50% · 4.625%
HK$70,388
+HK$3,525/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$133,726/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,314
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$75,594
−HK$2,317/mo
Today · 4.125%
HK$77,911
baseline
▲ 0.50% · 4.625%
HK$82,652
+HK$4,741/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$155,822/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,561
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$83,748
−HK$2,219/mo
Today · 4.125%
HK$85,967
baseline
▲ 0.50% · 4.625%
HK$90,498
+HK$4,531/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$171,934/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,822 · Scale 2, in force from 26 Feb 2026)