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$40,742
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,009
−HK$1,288/mo
Today · 4.125%
HK$43,297
baseline
▲ 0.50% · 4.625%
HK$45,931
+HK$2,634/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$86,594/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$670,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,325
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,540
−HK$1,234/mo
Today · 4.125%
HK$47,774
baseline
▲ 0.50% · 4.625%
HK$50,292
+HK$2,518/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$95,548/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$670,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,890
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$50,411
−HK$1,545/mo
Today · 4.125%
HK$51,956
baseline
▲ 0.50% · 4.625%
HK$55,117
+HK$3,161/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$103,912/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,390
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,848
−HK$1,480/mo
Today · 4.125%
HK$57,328
baseline
▲ 0.50% · 4.625%
HK$60,350
+HK$3,022/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$114,656/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,038
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,813
−HK$1,802/mo
Today · 4.125%
HK$60,615
baseline
▲ 0.50% · 4.625%
HK$64,304
+HK$3,689/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$121,230/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,455
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$65,157
−HK$1,726/mo
Today · 4.125%
HK$66,883
baseline
▲ 0.50% · 4.625%
HK$70,408
+HK$3,525/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$133,766/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,335
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$75,616
−HK$2,318/mo
Today · 4.125%
HK$77,934
baseline
▲ 0.50% · 4.625%
HK$82,676
+HK$4,742/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$155,868/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,585
−HK$4,407/mo
▼ 0.25% · 3.875%
HK$83,773
−HK$2,219/mo
Today · 4.125%
HK$85,992
baseline
▲ 0.50% · 4.625%
HK$90,525
+HK$4,533/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$171,984/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,020 · Scale 2, in force from 26 Feb 2026)