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$40,771
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,039
−HK$1,288/mo
Today · 4.125%
HK$43,327
baseline
▲ 0.50% · 4.625%
HK$45,964
+HK$2,637/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$86,654/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,357
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,573
−HK$1,234/mo
Today · 4.125%
HK$47,807
baseline
▲ 0.50% · 4.625%
HK$50,327
+HK$2,520/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$95,614/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,925
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,447
−HK$1,546/mo
Today · 4.125%
HK$51,993
baseline
▲ 0.50% · 4.625%
HK$55,156
+HK$3,163/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$103,986/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,428
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,888
−HK$1,481/mo
Today · 4.125%
HK$57,369
baseline
▲ 0.50% · 4.625%
HK$60,393
+HK$3,024/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$114,738/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,079
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$58,854
−HK$1,804/mo
Today · 4.125%
HK$60,658
baseline
▲ 0.50% · 4.625%
HK$64,349
+HK$3,691/mo
Deposit HK$5.36M · loan HK$12.52M · min. income ≈ HK$121,316/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,500
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$65,203
−HK$1,727/mo
Today · 4.125%
HK$66,930
baseline
▲ 0.50% · 4.625%
HK$70,458
+HK$3,528/mo
Deposit HK$5.36M · loan HK$12.52M · min. income ≈ HK$133,860/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,387
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$75,670
−HK$2,319/mo
Today · 4.125%
HK$77,989
baseline
▲ 0.50% · 4.625%
HK$82,735
+HK$4,746/mo
Deposit HK$1.79M · loan HK$16.09M · min. income ≈ HK$155,978/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,495 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,642
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$83,832
−HK$2,221/mo
Today · 4.125%
HK$86,053
baseline
▲ 0.50% · 4.625%
HK$90,589
+HK$4,536/mo
Deposit HK$1.79M · loan HK$16.09M · min. income ≈ HK$172,106/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,495 · Scale 2, in force from 26 Feb 2026)