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$40,747
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,015
−HK$1,287/mo
Today · 4.125%
HK$43,302
baseline
▲ 0.50% · 4.625%
HK$45,937
+HK$2,635/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$86,604/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$670,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,331
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,546
−HK$1,234/mo
Today · 4.125%
HK$47,780
baseline
▲ 0.50% · 4.625%
HK$50,298
+HK$2,518/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$95,560/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$670,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,896
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,417
−HK$1,546/mo
Today · 4.125%
HK$51,963
baseline
▲ 0.50% · 4.625%
HK$55,125
+HK$3,162/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$103,926/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,397
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,856
−HK$1,480/mo
Today · 4.125%
HK$57,336
baseline
▲ 0.50% · 4.625%
HK$60,358
+HK$3,022/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$114,672/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,046
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,820
−HK$1,803/mo
Today · 4.125%
HK$60,623
baseline
▲ 0.50% · 4.625%
HK$64,312
+HK$3,689/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$121,246/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,463
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,165
−HK$1,727/mo
Today · 4.125%
HK$66,892
baseline
▲ 0.50% · 4.625%
HK$70,418
+HK$3,526/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$133,784/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,345
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$75,626
−HK$2,318/mo
Today · 4.125%
HK$77,944
baseline
▲ 0.50% · 4.625%
HK$82,687
+HK$4,743/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$155,888/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,107 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,595
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$83,784
−HK$2,220/mo
Today · 4.125%
HK$86,004
baseline
▲ 0.50% · 4.625%
HK$90,537
+HK$4,533/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$172,008/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,107 · Scale 2, in force from 26 Feb 2026)