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$40,789
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,058
−HK$1,289/mo
Today · 4.125%
HK$43,347
baseline
▲ 0.50% · 4.625%
HK$45,985
+HK$2,638/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$86,694/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,378
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,595
−HK$1,234/mo
Today · 4.125%
HK$47,829
baseline
▲ 0.50% · 4.625%
HK$50,351
+HK$2,522/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$95,658/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,947
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$50,470
−HK$1,547/mo
Today · 4.125%
HK$52,017
baseline
▲ 0.50% · 4.625%
HK$55,182
+HK$3,165/mo
Deposit HK$7.16M · loan HK$10.73M · min. income ≈ HK$104,034/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$670,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,453
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$55,914
−HK$1,481/mo
Today · 4.125%
HK$57,395
baseline
▲ 0.50% · 4.625%
HK$60,421
+HK$3,026/mo
Deposit HK$7.16M · loan HK$10.73M · min. income ≈ HK$114,790/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$670,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,105
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$58,881
−HK$1,805/mo
Today · 4.125%
HK$60,686
baseline
▲ 0.50% · 4.625%
HK$64,379
+HK$3,693/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$121,372/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,529
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$65,233
−HK$1,728/mo
Today · 4.125%
HK$66,961
baseline
▲ 0.50% · 4.625%
HK$70,491
+HK$3,530/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$133,922/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,421
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,705
−HK$2,320/mo
Today · 4.125%
HK$78,025
baseline
▲ 0.50% · 4.625%
HK$82,773
+HK$4,748/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$156,050/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,802 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,680
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,871
−HK$2,222/mo
Today · 4.125%
HK$86,093
baseline
▲ 0.50% · 4.625%
HK$90,631
+HK$4,538/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$172,186/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,802 · Scale 2, in force from 26 Feb 2026)