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$40,775
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,044
−HK$1,288/mo
Today · 4.125%
HK$43,332
baseline
▲ 0.50% · 4.625%
HK$45,969
+HK$2,637/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$86,664/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,362
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,579
−HK$1,234/mo
Today · 4.125%
HK$47,813
baseline
▲ 0.50% · 4.625%
HK$50,333
+HK$2,520/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$95,626/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,931
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,453
−HK$1,546/mo
Today · 4.125%
HK$51,999
baseline
▲ 0.50% · 4.625%
HK$55,163
+HK$3,164/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$103,998/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,435
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,895
−HK$1,481/mo
Today · 4.125%
HK$57,376
baseline
▲ 0.50% · 4.625%
HK$60,400
+HK$3,024/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$114,752/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,086
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$58,861
−HK$1,804/mo
Today · 4.125%
HK$60,665
baseline
▲ 0.50% · 4.625%
HK$64,357
+HK$3,692/mo
Deposit HK$5.36M · loan HK$12.52M · min. income ≈ HK$121,330/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,507
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,210
−HK$1,728/mo
Today · 4.125%
HK$66,938
baseline
▲ 0.50% · 4.625%
HK$70,467
+HK$3,529/mo
Deposit HK$5.36M · loan HK$12.52M · min. income ≈ HK$133,876/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,396
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$75,679
−HK$2,319/mo
Today · 4.125%
HK$77,998
baseline
▲ 0.50% · 4.625%
HK$82,744
+HK$4,746/mo
Deposit HK$1.79M · loan HK$16.09M · min. income ≈ HK$155,996/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,652
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$83,842
−HK$2,222/mo
Today · 4.125%
HK$86,064
baseline
▲ 0.50% · 4.625%
HK$90,600
+HK$4,536/mo
Deposit HK$1.79M · loan HK$16.09M · min. income ≈ HK$172,128/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,574 · Scale 2, in force from 26 Feb 2026)