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$40,777
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,045
−HK$1,289/mo
Today · 4.125%
HK$43,334
baseline
▲ 0.50% · 4.625%
HK$45,971
+HK$2,637/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$86,668/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,364
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,580
−HK$1,235/mo
Today · 4.125%
HK$47,815
baseline
▲ 0.50% · 4.625%
HK$50,335
+HK$2,520/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$95,630/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,932
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,454
−HK$1,547/mo
Today · 4.125%
HK$52,001
baseline
▲ 0.50% · 4.625%
HK$55,165
+HK$3,164/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$104,002/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,436
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$55,896
−HK$1,482/mo
Today · 4.125%
HK$57,378
baseline
▲ 0.50% · 4.625%
HK$60,402
+HK$3,024/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$114,756/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,087
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,863
−HK$1,804/mo
Today · 4.125%
HK$60,667
baseline
▲ 0.50% · 4.625%
HK$64,359
+HK$3,692/mo
Deposit HK$5.36M · loan HK$12.52M · min. income ≈ HK$121,334/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,509
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,213
−HK$1,727/mo
Today · 4.125%
HK$66,940
baseline
▲ 0.50% · 4.625%
HK$70,469
+HK$3,529/mo
Deposit HK$5.36M · loan HK$12.52M · min. income ≈ HK$133,880/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,398
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$75,681
−HK$2,320/mo
Today · 4.125%
HK$78,001
baseline
▲ 0.50% · 4.625%
HK$82,747
+HK$4,746/mo
Deposit HK$1.79M · loan HK$16.09M · min. income ≈ HK$156,002/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,655
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$83,845
−HK$2,221/mo
Today · 4.125%
HK$86,066
baseline
▲ 0.50% · 4.625%
HK$90,603
+HK$4,537/mo
Deposit HK$1.79M · loan HK$16.09M · min. income ≈ HK$172,132/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,595 · Scale 2, in force from 26 Feb 2026)