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$40,726
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$41,993
−HK$1,287/mo
Today · 4.125%
HK$43,280
baseline
▲ 0.50% · 4.625%
HK$45,913
+HK$2,633/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$86,560/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,307
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,522
−HK$1,233/mo
Today · 4.125%
HK$47,755
baseline
▲ 0.50% · 4.625%
HK$50,272
+HK$2,517/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$95,510/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,871
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$50,391
−HK$1,545/mo
Today · 4.125%
HK$51,936
baseline
▲ 0.50% · 4.625%
HK$55,096
+HK$3,160/mo
Deposit HK$7.14M · loan HK$10.72M · min. income ≈ HK$103,872/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,369
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,827
−HK$1,479/mo
Today · 4.125%
HK$57,306
baseline
▲ 0.50% · 4.625%
HK$60,327
+HK$3,021/mo
Deposit HK$7.14M · loan HK$10.72M · min. income ≈ HK$114,612/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,017
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$58,790
−HK$1,802/mo
Today · 4.125%
HK$60,592
baseline
▲ 0.50% · 4.625%
HK$64,279
+HK$3,687/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$121,184/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,430
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,131
−HK$1,726/mo
Today · 4.125%
HK$66,857
baseline
▲ 0.50% · 4.625%
HK$70,381
+HK$3,524/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$133,714/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,307
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$75,587
−HK$2,317/mo
Today · 4.125%
HK$77,904
baseline
▲ 0.50% · 4.625%
HK$82,644
+HK$4,740/mo
Deposit HK$1.79M · loan HK$16.07M · min. income ≈ HK$155,808/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,553
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$83,740
−HK$2,219/mo
Today · 4.125%
HK$85,959
baseline
▲ 0.50% · 4.625%
HK$90,490
+HK$4,531/mo
Deposit HK$1.79M · loan HK$16.07M · min. income ≈ HK$171,918/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,762 · Scale 2, in force from 26 Feb 2026)