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$40,764
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,032
−HK$1,288/mo
Today · 4.125%
HK$43,320
baseline
▲ 0.50% · 4.625%
HK$45,956
+HK$2,636/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$86,640/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,350
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,566
−HK$1,234/mo
Today · 4.125%
HK$47,800
baseline
▲ 0.50% · 4.625%
HK$50,319
+HK$2,519/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$95,600/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,917
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,438
−HK$1,546/mo
Today · 4.125%
HK$51,984
baseline
▲ 0.50% · 4.625%
HK$55,148
+HK$3,164/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$103,968/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,420
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,879
−HK$1,481/mo
Today · 4.125%
HK$57,360
baseline
▲ 0.50% · 4.625%
HK$60,383
+HK$3,023/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$114,720/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,070
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,845
−HK$1,803/mo
Today · 4.125%
HK$60,648
baseline
▲ 0.50% · 4.625%
HK$64,339
+HK$3,691/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$121,296/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,489
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,192
−HK$1,728/mo
Today · 4.125%
HK$66,920
baseline
▲ 0.50% · 4.625%
HK$70,447
+HK$3,527/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$133,840/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,375
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$75,658
−HK$2,319/mo
Today · 4.125%
HK$77,977
baseline
▲ 0.50% · 4.625%
HK$82,721
+HK$4,744/mo
Deposit HK$1.79M · loan HK$16.09M · min. income ≈ HK$155,954/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,387 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,629
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$83,819
−HK$2,220/mo
Today · 4.125%
HK$86,039
baseline
▲ 0.50% · 4.625%
HK$90,575
+HK$4,536/mo
Deposit HK$1.79M · loan HK$16.09M · min. income ≈ HK$172,078/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,387 · Scale 2, in force from 26 Feb 2026)