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$40,728
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$41,995
−HK$1,287/mo
Today · 4.125%
HK$43,282
baseline
▲ 0.50% · 4.625%
HK$45,915
+HK$2,633/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$86,564/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,309
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,524
−HK$1,233/mo
Today · 4.125%
HK$47,757
baseline
▲ 0.50% · 4.625%
HK$50,275
+HK$2,518/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$95,514/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,873
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$50,394
−HK$1,544/mo
Today · 4.125%
HK$51,938
baseline
▲ 0.50% · 4.625%
HK$55,098
+HK$3,160/mo
Deposit HK$7.14M · loan HK$10.72M · min. income ≈ HK$103,876/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,371
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,829
−HK$1,480/mo
Today · 4.125%
HK$57,309
baseline
▲ 0.50% · 4.625%
HK$60,329
+HK$3,020/mo
Deposit HK$7.14M · loan HK$10.72M · min. income ≈ HK$114,618/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,019
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$58,792
−HK$1,802/mo
Today · 4.125%
HK$60,594
baseline
▲ 0.50% · 4.625%
HK$64,282
+HK$3,688/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$121,188/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,433
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,134
−HK$1,726/mo
Today · 4.125%
HK$66,860
baseline
▲ 0.50% · 4.625%
HK$70,384
+HK$3,524/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$133,720/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,310
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$75,590
−HK$2,317/mo
Today · 4.125%
HK$77,907
baseline
▲ 0.50% · 4.625%
HK$82,648
+HK$4,741/mo
Deposit HK$1.79M · loan HK$16.07M · min. income ≈ HK$155,814/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,557
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$83,744
−HK$2,219/mo
Today · 4.125%
HK$85,963
baseline
▲ 0.50% · 4.625%
HK$90,494
+HK$4,531/mo
Deposit HK$1.79M · loan HK$16.07M · min. income ≈ HK$171,926/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,790 · Scale 2, in force from 26 Feb 2026)