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$40,793
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,062
−HK$1,289/mo
Today · 4.125%
HK$43,351
baseline
▲ 0.50% · 4.625%
HK$45,989
+HK$2,638/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$86,702/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$670,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,382
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,599
−HK$1,235/mo
Today · 4.125%
HK$47,834
baseline
▲ 0.50% · 4.625%
HK$50,355
+HK$2,521/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$670,868 · 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$55,187
+HK$3,165/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$670,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,459
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$55,919
−HK$1,482/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$670,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,111
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$58,887
−HK$1,805/mo
Today · 4.125%
HK$60,692
baseline
▲ 0.50% · 4.625%
HK$64,385
+HK$3,693/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$121,384/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,535
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,239
−HK$1,729/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$670,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,428
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$75,712
−HK$2,321/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$670,868 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,688
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,879
−HK$2,222/mo
Today · 4.125%
HK$86,101
baseline
▲ 0.50% · 4.625%
HK$90,640
+HK$4,539/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$172,202/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,868 · Scale 2, in force from 26 Feb 2026)