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$40,766
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,034
−HK$1,288/mo
Today · 4.125%
HK$43,322
baseline
▲ 0.50% · 4.625%
HK$45,958
+HK$2,636/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$86,644/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,351
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,568
−HK$1,234/mo
Today · 4.125%
HK$47,802
baseline
▲ 0.50% · 4.625%
HK$50,321
+HK$2,519/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$95,604/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,919
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,440
−HK$1,546/mo
Today · 4.125%
HK$51,986
baseline
▲ 0.50% · 4.625%
HK$55,150
+HK$3,164/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$103,972/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,422
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,881
−HK$1,481/mo
Today · 4.125%
HK$57,362
baseline
▲ 0.50% · 4.625%
HK$60,386
+HK$3,024/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$114,724/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,072
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$58,847
−HK$1,804/mo
Today · 4.125%
HK$60,651
baseline
▲ 0.50% · 4.625%
HK$64,341
+HK$3,690/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$121,302/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,492
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$65,195
−HK$1,727/mo
Today · 4.125%
HK$66,922
baseline
▲ 0.50% · 4.625%
HK$70,450
+HK$3,528/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$133,844/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,378
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$75,661
−HK$2,319/mo
Today · 4.125%
HK$77,980
baseline
▲ 0.50% · 4.625%
HK$82,724
+HK$4,744/mo
Deposit HK$1.79M · loan HK$16.09M · min. income ≈ HK$155,960/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,413 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,632
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$83,822
−HK$2,221/mo
Today · 4.125%
HK$86,043
baseline
▲ 0.50% · 4.625%
HK$90,578
+HK$4,535/mo
Deposit HK$1.79M · loan HK$16.09M · min. income ≈ HK$172,086/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,413 · Scale 2, in force from 26 Feb 2026)