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$40,771
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,039
−HK$1,289/mo
Today · 4.125%
HK$43,328
baseline
▲ 0.50% · 4.625%
HK$45,964
+HK$2,636/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$86,656/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,357
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,574
−HK$1,234/mo
Today · 4.125%
HK$47,808
baseline
▲ 0.50% · 4.625%
HK$50,328
+HK$2,520/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$95,616/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,925
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,447
−HK$1,546/mo
Today · 4.125%
HK$51,993
baseline
▲ 0.50% · 4.625%
HK$55,157
+HK$3,164/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$103,986/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,429
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,889
−HK$1,481/mo
Today · 4.125%
HK$57,370
baseline
▲ 0.50% · 4.625%
HK$60,394
+HK$3,024/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$114,740/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,080
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$58,855
−HK$1,804/mo
Today · 4.125%
HK$60,659
baseline
▲ 0.50% · 4.625%
HK$64,350
+HK$3,691/mo
Deposit HK$5.36M · loan HK$12.52M · min. income ≈ HK$121,318/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,500
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,203
−HK$1,728/mo
Today · 4.125%
HK$66,931
baseline
▲ 0.50% · 4.625%
HK$70,459
+HK$3,528/mo
Deposit HK$5.36M · loan HK$12.52M · min. income ≈ HK$133,862/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,388
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$75,671
−HK$2,319/mo
Today · 4.125%
HK$77,990
baseline
▲ 0.50% · 4.625%
HK$82,736
+HK$4,746/mo
Deposit HK$1.79M · loan HK$16.09M · min. income ≈ HK$155,980/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,502 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,643
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$83,833
−HK$2,221/mo
Today · 4.125%
HK$86,054
baseline
▲ 0.50% · 4.625%
HK$90,590
+HK$4,536/mo
Deposit HK$1.79M · loan HK$16.09M · min. income ≈ HK$172,108/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,502 · Scale 2, in force from 26 Feb 2026)