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$40,741
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,008
−HK$1,288/mo
Today · 4.125%
HK$43,296
baseline
▲ 0.50% · 4.625%
HK$45,930
+HK$2,634/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$86,592/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$670,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,324
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,539
−HK$1,234/mo
Today · 4.125%
HK$47,773
baseline
▲ 0.50% · 4.625%
HK$50,291
+HK$2,518/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$95,546/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$670,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,889
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$50,410
−HK$1,545/mo
Today · 4.125%
HK$51,955
baseline
▲ 0.50% · 4.625%
HK$55,116
+HK$3,161/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$103,910/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,389
−HK$2,938/mo
▼ 0.25% · 3.875%
HK$55,847
−HK$1,480/mo
Today · 4.125%
HK$57,327
baseline
▲ 0.50% · 4.625%
HK$60,349
+HK$3,022/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$114,654/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,037
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,811
−HK$1,803/mo
Today · 4.125%
HK$60,614
baseline
▲ 0.50% · 4.625%
HK$64,302
+HK$3,688/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$121,228/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,453
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,155
−HK$1,727/mo
Today · 4.125%
HK$66,882
baseline
▲ 0.50% · 4.625%
HK$70,407
+HK$3,525/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$133,764/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,334
−HK$4,598/mo
▼ 0.25% · 3.875%
HK$75,615
−HK$2,317/mo
Today · 4.125%
HK$77,932
baseline
▲ 0.50% · 4.625%
HK$82,674
+HK$4,742/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$155,864/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,006 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,583
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$83,771
−HK$2,220/mo
Today · 4.125%
HK$85,991
baseline
▲ 0.50% · 4.625%
HK$90,523
+HK$4,532/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$171,982/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,006 · Scale 2, in force from 26 Feb 2026)