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$40,729
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$41,996
−HK$1,287/mo
Today · 4.125%
HK$43,283
baseline
▲ 0.50% · 4.625%
HK$45,917
+HK$2,634/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$86,566/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$669,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,311
−HK$2,448/mo
▼ 0.25% · 3.875%
HK$46,526
−HK$1,233/mo
Today · 4.125%
HK$47,759
baseline
▲ 0.50% · 4.625%
HK$50,276
+HK$2,517/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$669,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,875
−HK$3,065/mo
▼ 0.25% · 3.875%
HK$50,395
−HK$1,545/mo
Today · 4.125%
HK$51,940
baseline
▲ 0.50% · 4.625%
HK$55,100
+HK$3,160/mo
Deposit HK$7.14M · loan HK$10.72M · min. income ≈ HK$103,880/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,373
−HK$2,937/mo
▼ 0.25% · 3.875%
HK$55,831
−HK$1,479/mo
Today · 4.125%
HK$57,310
baseline
▲ 0.50% · 4.625%
HK$60,331
+HK$3,021/mo
Deposit HK$7.14M · loan HK$10.72M · min. income ≈ HK$114,620/mo (50% DSR)
Upfront cash ≈ HK$7.81M (deposit + AVD stamp duty HK$669,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,021
−HK$3,575/mo
▼ 0.25% · 3.875%
HK$58,794
−HK$1,802/mo
Today · 4.125%
HK$60,596
baseline
▲ 0.50% · 4.625%
HK$64,283
+HK$3,687/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$121,192/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,435
−HK$3,427/mo
▼ 0.25% · 3.875%
HK$65,136
−HK$1,726/mo
Today · 4.125%
HK$66,862
baseline
▲ 0.50% · 4.625%
HK$70,386
+HK$3,524/mo
Deposit HK$5.36M · loan HK$12.50M · min. income ≈ HK$133,724/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$669,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,312
−HK$4,597/mo
▼ 0.25% · 3.875%
HK$75,593
−HK$2,316/mo
Today · 4.125%
HK$77,909
baseline
▲ 0.50% · 4.625%
HK$82,650
+HK$4,741/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$155,818/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,809 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,559
−HK$4,406/mo
▼ 0.25% · 3.875%
HK$83,746
−HK$2,219/mo
Today · 4.125%
HK$85,965
baseline
▲ 0.50% · 4.625%
HK$90,497
+HK$4,532/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$171,930/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$669,809 · Scale 2, in force from 26 Feb 2026)