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$40,787
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,056
−HK$1,289/mo
Today · 4.125%
HK$43,345
baseline
▲ 0.50% · 4.625%
HK$45,982
+HK$2,637/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$86,690/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,375
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,592
−HK$1,235/mo
Today · 4.125%
HK$47,827
baseline
▲ 0.50% · 4.625%
HK$50,348
+HK$2,521/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$95,654/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,945
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,467
−HK$1,547/mo
Today · 4.125%
HK$52,014
baseline
▲ 0.50% · 4.625%
HK$55,179
+HK$3,165/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$104,028/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$670,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,451
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,911
−HK$1,481/mo
Today · 4.125%
HK$57,392
baseline
▲ 0.50% · 4.625%
HK$60,418
+HK$3,026/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$114,784/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$670,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,102
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$58,878
−HK$1,805/mo
Today · 4.125%
HK$60,683
baseline
▲ 0.50% · 4.625%
HK$64,375
+HK$3,692/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$121,366/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,526
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$65,229
−HK$1,729/mo
Today · 4.125%
HK$66,958
baseline
▲ 0.50% · 4.625%
HK$70,487
+HK$3,529/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$133,916/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,417
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,701
−HK$2,320/mo
Today · 4.125%
HK$78,021
baseline
▲ 0.50% · 4.625%
HK$82,768
+HK$4,747/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$156,042/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,769 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,676
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,866
−HK$2,223/mo
Today · 4.125%
HK$86,089
baseline
▲ 0.50% · 4.625%
HK$90,626
+HK$4,537/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$172,178/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,769 · Scale 2, in force from 26 Feb 2026)