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$40,725
−HK$2,553/mo
▼ 0.25% · 3.875%
HK$41,991
−HK$1,287/mo
Today · 4.125%
HK$43,278
baseline
▲ 0.50% · 4.625%
HK$45,912
+HK$2,634/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$86,556/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,306
−HK$2,447/mo
▼ 0.25% · 3.875%
HK$46,521
−HK$1,232/mo
Today · 4.125%
HK$47,753
baseline
▲ 0.50% · 4.625%
HK$50,271
+HK$2,518/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$95,506/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,870
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,390
−HK$1,544/mo
Today · 4.125%
HK$51,934
baseline
▲ 0.50% · 4.625%
HK$55,094
+HK$3,160/mo
Deposit HK$7.14M · loan HK$10.72M · min. income ≈ HK$103,868/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,367
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,825
−HK$1,479/mo
Today · 4.125%
HK$57,304
baseline
▲ 0.50% · 4.625%
HK$60,325
+HK$3,021/mo
Deposit HK$7.14M · loan HK$10.72M · min. income ≈ HK$114,608/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,014
−HK$3,576/mo
▼ 0.25% · 3.875%
HK$58,788
−HK$1,802/mo
Today · 4.125%
HK$60,590
baseline
▲ 0.50% · 4.625%
HK$64,276
+HK$3,686/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$121,180/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,428
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,129
−HK$1,726/mo
Today · 4.125%
HK$66,855
baseline
▲ 0.50% · 4.625%
HK$70,379
+HK$3,524/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$133,710/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,304
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$75,584
−HK$2,317/mo
Today · 4.125%
HK$77,901
baseline
▲ 0.50% · 4.625%
HK$82,641
+HK$4,740/mo
Deposit HK$1.79M · loan HK$16.07M · min. income ≈ HK$155,802/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,738 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,550
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$83,737
−HK$2,219/mo
Today · 4.125%
HK$85,956
baseline
▲ 0.50% · 4.625%
HK$90,487
+HK$4,531/mo
Deposit HK$1.79M · loan HK$16.07M · min. income ≈ HK$171,912/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,738 · Scale 2, in force from 26 Feb 2026)