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$40,794
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,063
−HK$1,289/mo
Today · 4.125%
HK$43,352
baseline
▲ 0.50% · 4.625%
HK$45,990
+HK$2,638/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$86,704/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$670,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,383
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,600
−HK$1,234/mo
Today · 4.125%
HK$47,834
baseline
▲ 0.50% · 4.625%
HK$50,356
+HK$2,522/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$95,668/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$670,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,952
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$50,475
−HK$1,547/mo
Today · 4.125%
HK$52,022
baseline
▲ 0.50% · 4.625%
HK$55,188
+HK$3,166/mo
Deposit HK$7.16M · loan HK$10.73M · min. income ≈ HK$104,044/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$670,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,459
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$55,920
−HK$1,481/mo
Today · 4.125%
HK$57,401
baseline
▲ 0.50% · 4.625%
HK$60,427
+HK$3,026/mo
Deposit HK$7.16M · loan HK$10.73M · min. income ≈ HK$114,802/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$670,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,111
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,888
−HK$1,805/mo
Today · 4.125%
HK$60,693
baseline
▲ 0.50% · 4.625%
HK$64,386
+HK$3,693/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$121,386/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,536
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$65,240
−HK$1,728/mo
Today · 4.125%
HK$66,968
baseline
▲ 0.50% · 4.625%
HK$70,498
+HK$3,530/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$133,936/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,429
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,713
−HK$2,320/mo
Today · 4.125%
HK$78,033
baseline
▲ 0.50% · 4.625%
HK$82,781
+HK$4,748/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$156,066/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,874 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,689
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,879
−HK$2,223/mo
Today · 4.125%
HK$86,102
baseline
▲ 0.50% · 4.625%
HK$90,641
+HK$4,539/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$172,204/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,874 · Scale 2, in force from 26 Feb 2026)