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$40,753
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,020
−HK$1,288/mo
Today · 4.125%
HK$43,308
baseline
▲ 0.50% · 4.625%
HK$45,943
+HK$2,635/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$86,616/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,337
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,553
−HK$1,233/mo
Today · 4.125%
HK$47,786
baseline
▲ 0.50% · 4.625%
HK$50,305
+HK$2,519/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$95,572/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,903
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,424
−HK$1,546/mo
Today · 4.125%
HK$51,970
baseline
▲ 0.50% · 4.625%
HK$55,132
+HK$3,162/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$103,940/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,404
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,863
−HK$1,481/mo
Today · 4.125%
HK$57,344
baseline
▲ 0.50% · 4.625%
HK$60,366
+HK$3,022/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$114,688/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,054
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,828
−HK$1,803/mo
Today · 4.125%
HK$60,631
baseline
▲ 0.50% · 4.625%
HK$64,321
+HK$3,690/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$121,262/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,472
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,174
−HK$1,727/mo
Today · 4.125%
HK$66,901
baseline
▲ 0.50% · 4.625%
HK$70,427
+HK$3,526/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$133,802/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,355
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$75,636
−HK$2,319/mo
Today · 4.125%
HK$77,955
baseline
▲ 0.50% · 4.625%
HK$82,698
+HK$4,743/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$155,910/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,199 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,606
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$83,795
−HK$2,220/mo
Today · 4.125%
HK$86,015
baseline
▲ 0.50% · 4.625%
HK$90,549
+HK$4,534/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$172,030/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,199 · Scale 2, in force from 26 Feb 2026)