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$2,555/mo
▼ 0.25% · 3.875%
HK$41,997
−HK$1,288/mo
Today · 4.125%
HK$43,285
baseline
▲ 0.50% · 4.625%
HK$45,918
+HK$2,633/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$86,570/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,312
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,527
−HK$1,233/mo
Today · 4.125%
HK$47,760
baseline
▲ 0.50% · 4.625%
HK$50,278
+HK$2,518/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$95,520/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,877
−HK$3,064/mo
▼ 0.25% · 3.875%
HK$50,397
−HK$1,544/mo
Today · 4.125%
HK$51,941
baseline
▲ 0.50% · 4.625%
HK$55,102
+HK$3,161/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$669,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,375
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,833
−HK$1,479/mo
Today · 4.125%
HK$57,312
baseline
▲ 0.50% · 4.625%
HK$60,333
+HK$3,021/mo
Deposit HK$7.14M · loan HK$10.72M · min. income ≈ HK$114,624/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,023
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$58,796
−HK$1,802/mo
Today · 4.125%
HK$60,598
baseline
▲ 0.50% · 4.625%
HK$64,286
+HK$3,688/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$121,196/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,437
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,138
−HK$1,726/mo
Today · 4.125%
HK$66,864
baseline
▲ 0.50% · 4.625%
HK$70,389
+HK$3,525/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$133,728/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,315
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$75,595
−HK$2,317/mo
Today · 4.125%
HK$77,912
baseline
▲ 0.50% · 4.625%
HK$82,653
+HK$4,741/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$155,824/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,562
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$83,749
−HK$2,219/mo
Today · 4.125%
HK$85,968
baseline
▲ 0.50% · 4.625%
HK$90,500
+HK$4,532/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$171,936/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,833 · Scale 2, in force from 26 Feb 2026)