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$40,772
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,040
−HK$1,289/mo
Today · 4.125%
HK$43,329
baseline
▲ 0.50% · 4.625%
HK$45,965
+HK$2,636/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$86,658/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,359
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,575
−HK$1,234/mo
Today · 4.125%
HK$47,809
baseline
▲ 0.50% · 4.625%
HK$50,329
+HK$2,520/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$95,618/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,927
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,449
−HK$1,546/mo
Today · 4.125%
HK$51,995
baseline
▲ 0.50% · 4.625%
HK$55,159
+HK$3,164/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$103,990/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,430
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,890
−HK$1,481/mo
Today · 4.125%
HK$57,371
baseline
▲ 0.50% · 4.625%
HK$60,395
+HK$3,024/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$114,742/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,081
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,857
−HK$1,804/mo
Today · 4.125%
HK$60,661
baseline
▲ 0.50% · 4.625%
HK$64,352
+HK$3,691/mo
Deposit HK$5.36M · loan HK$12.52M · min. income ≈ HK$121,322/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,502
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,205
−HK$1,728/mo
Today · 4.125%
HK$66,933
baseline
▲ 0.50% · 4.625%
HK$70,461
+HK$3,528/mo
Deposit HK$5.36M · loan HK$12.52M · min. income ≈ HK$133,866/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,390
−HK$4,602/mo
▼ 0.25% · 3.875%
HK$75,673
−HK$2,319/mo
Today · 4.125%
HK$77,992
baseline
▲ 0.50% · 4.625%
HK$82,738
+HK$4,746/mo
Deposit HK$1.79M · loan HK$16.09M · min. income ≈ HK$155,984/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,646
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$83,835
−HK$2,222/mo
Today · 4.125%
HK$86,057
baseline
▲ 0.50% · 4.625%
HK$90,593
+HK$4,536/mo
Deposit HK$1.79M · loan HK$16.09M · min. income ≈ HK$172,114/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,520 · Scale 2, in force from 26 Feb 2026)