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$40,791
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,060
−HK$1,289/mo
Today · 4.125%
HK$43,349
baseline
▲ 0.50% · 4.625%
HK$45,987
+HK$2,638/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$86,698/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$670,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,380
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,597
−HK$1,235/mo
Today · 4.125%
HK$47,832
baseline
▲ 0.50% · 4.625%
HK$50,353
+HK$2,521/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$95,664/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$670,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,950
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,472
−HK$1,547/mo
Today · 4.125%
HK$52,019
baseline
▲ 0.50% · 4.625%
HK$55,185
+HK$3,166/mo
Deposit HK$7.16M · loan HK$10.73M · min. income ≈ HK$104,038/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$670,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,456
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$55,917
−HK$1,481/mo
Today · 4.125%
HK$57,398
baseline
▲ 0.50% · 4.625%
HK$60,424
+HK$3,026/mo
Deposit HK$7.16M · loan HK$10.73M · min. income ≈ HK$114,796/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$670,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,108
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$58,884
−HK$1,805/mo
Today · 4.125%
HK$60,689
baseline
▲ 0.50% · 4.625%
HK$64,382
+HK$3,693/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$121,378/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,532
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,236
−HK$1,729/mo
Today · 4.125%
HK$66,965
baseline
▲ 0.50% · 4.625%
HK$70,494
+HK$3,529/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$133,930/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,425
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,709
−HK$2,320/mo
Today · 4.125%
HK$78,029
baseline
▲ 0.50% · 4.625%
HK$82,777
+HK$4,748/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$156,058/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,837 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,684
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,875
−HK$2,222/mo
Today · 4.125%
HK$86,097
baseline
▲ 0.50% · 4.625%
HK$90,636
+HK$4,539/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$172,194/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,837 · Scale 2, in force from 26 Feb 2026)