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$40,785
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,054
−HK$1,289/mo
Today · 4.125%
HK$43,343
baseline
▲ 0.50% · 4.625%
HK$45,980
+HK$2,637/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$86,686/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,373
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,590
−HK$1,234/mo
Today · 4.125%
HK$47,824
baseline
▲ 0.50% · 4.625%
HK$50,345
+HK$2,521/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$95,648/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,942
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,465
−HK$1,546/mo
Today · 4.125%
HK$52,011
baseline
▲ 0.50% · 4.625%
HK$55,176
+HK$3,165/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$104,022/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$670,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,448
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,908
−HK$1,481/mo
Today · 4.125%
HK$57,389
baseline
▲ 0.50% · 4.625%
HK$60,414
+HK$3,025/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$114,778/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$670,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,099
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$58,875
−HK$1,805/mo
Today · 4.125%
HK$60,680
baseline
▲ 0.50% · 4.625%
HK$64,372
+HK$3,692/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$121,360/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,522
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$65,226
−HK$1,728/mo
Today · 4.125%
HK$66,954
baseline
▲ 0.50% · 4.625%
HK$70,483
+HK$3,529/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$133,908/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,413
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,697
−HK$2,320/mo
Today · 4.125%
HK$78,017
baseline
▲ 0.50% · 4.625%
HK$82,764
+HK$4,747/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$156,034/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,734 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,672
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$83,862
−HK$2,222/mo
Today · 4.125%
HK$86,084
baseline
▲ 0.50% · 4.625%
HK$90,622
+HK$4,538/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$172,168/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,734 · Scale 2, in force from 26 Feb 2026)