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$40,782
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,050
−HK$1,289/mo
Today · 4.125%
HK$43,339
baseline
▲ 0.50% · 4.625%
HK$45,976
+HK$2,637/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$86,678/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,369
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,586
−HK$1,234/mo
Today · 4.125%
HK$47,820
baseline
▲ 0.50% · 4.625%
HK$50,341
+HK$2,521/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$95,640/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,938
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,460
−HK$1,547/mo
Today · 4.125%
HK$52,007
baseline
▲ 0.50% · 4.625%
HK$55,171
+HK$3,164/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$104,014/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,443
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$55,903
−HK$1,482/mo
Today · 4.125%
HK$57,385
baseline
▲ 0.50% · 4.625%
HK$60,409
+HK$3,024/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$114,770/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,094
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$58,870
−HK$1,805/mo
Today · 4.125%
HK$60,675
baseline
▲ 0.50% · 4.625%
HK$64,367
+HK$3,692/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$121,350/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,517
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$65,221
−HK$1,728/mo
Today · 4.125%
HK$66,949
baseline
▲ 0.50% · 4.625%
HK$70,478
+HK$3,529/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$133,898/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,407
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$75,691
−HK$2,319/mo
Today · 4.125%
HK$78,010
baseline
▲ 0.50% · 4.625%
HK$82,757
+HK$4,747/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$156,020/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,678 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,665
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$83,855
−HK$2,222/mo
Today · 4.125%
HK$86,077
baseline
▲ 0.50% · 4.625%
HK$90,614
+HK$4,537/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$172,154/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,678 · Scale 2, in force from 26 Feb 2026)