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$40,789
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,058
−HK$1,289/mo
Today · 4.125%
HK$43,347
baseline
▲ 0.50% · 4.625%
HK$45,984
+HK$2,637/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$86,694/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,377
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,594
−HK$1,235/mo
Today · 4.125%
HK$47,829
baseline
▲ 0.50% · 4.625%
HK$50,350
+HK$2,521/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$95,658/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,947
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,469
−HK$1,547/mo
Today · 4.125%
HK$52,016
baseline
▲ 0.50% · 4.625%
HK$55,181
+HK$3,165/mo
Deposit HK$7.16M · loan HK$10.73M · min. income ≈ HK$104,032/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$670,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,453
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$55,913
−HK$1,482/mo
Today · 4.125%
HK$57,395
baseline
▲ 0.50% · 4.625%
HK$60,420
+HK$3,025/mo
Deposit HK$7.16M · loan HK$10.73M · min. income ≈ HK$114,790/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$670,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,105
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$58,881
−HK$1,805/mo
Today · 4.125%
HK$60,686
baseline
▲ 0.50% · 4.625%
HK$64,378
+HK$3,692/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$121,372/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,528
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,232
−HK$1,729/mo
Today · 4.125%
HK$66,961
baseline
▲ 0.50% · 4.625%
HK$70,490
+HK$3,529/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$133,922/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,420
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,704
−HK$2,320/mo
Today · 4.125%
HK$78,024
baseline
▲ 0.50% · 4.625%
HK$82,772
+HK$4,748/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$156,048/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,679
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,870
−HK$2,222/mo
Today · 4.125%
HK$86,092
baseline
▲ 0.50% · 4.625%
HK$90,630
+HK$4,538/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$172,184/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,798 · Scale 2, in force from 26 Feb 2026)