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$40,743
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,010
−HK$1,288/mo
Today · 4.125%
HK$43,298
baseline
▲ 0.50% · 4.625%
HK$45,932
+HK$2,634/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$86,596/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$670,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,326
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,541
−HK$1,234/mo
Today · 4.125%
HK$47,775
baseline
▲ 0.50% · 4.625%
HK$50,293
+HK$2,518/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$95,550/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$670,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,891
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$50,412
−HK$1,545/mo
Today · 4.125%
HK$51,957
baseline
▲ 0.50% · 4.625%
HK$55,119
+HK$3,162/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$103,914/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,391
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,850
−HK$1,480/mo
Today · 4.125%
HK$57,330
baseline
▲ 0.50% · 4.625%
HK$60,351
+HK$3,021/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$114,660/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,040
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,814
−HK$1,803/mo
Today · 4.125%
HK$60,617
baseline
▲ 0.50% · 4.625%
HK$64,305
+HK$3,688/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$121,234/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,456
−HK$3,428/mo
▼ 0.25% · 3.875%
HK$65,158
−HK$1,726/mo
Today · 4.125%
HK$66,884
baseline
▲ 0.50% · 4.625%
HK$70,410
+HK$3,526/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$133,768/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,337
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$75,618
−HK$2,318/mo
Today · 4.125%
HK$77,936
baseline
▲ 0.50% · 4.625%
HK$82,678
+HK$4,742/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$155,872/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,035 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,586
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$83,775
−HK$2,219/mo
Today · 4.125%
HK$85,994
baseline
▲ 0.50% · 4.625%
HK$90,527
+HK$4,533/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$171,988/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,035 · Scale 2, in force from 26 Feb 2026)