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$40,744
−HK$2,554/mo
▼ 0.25% · 3.875%
HK$42,011
−HK$1,287/mo
Today · 4.125%
HK$43,298
baseline
▲ 0.50% · 4.625%
HK$45,933
+HK$2,635/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$86,596/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$670,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,327
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,542
−HK$1,234/mo
Today · 4.125%
HK$47,776
baseline
▲ 0.50% · 4.625%
HK$50,294
+HK$2,518/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$95,552/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$670,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,892
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$50,413
−HK$1,545/mo
Today · 4.125%
HK$51,958
baseline
▲ 0.50% · 4.625%
HK$55,120
+HK$3,162/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$103,916/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,392
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,851
−HK$1,480/mo
Today · 4.125%
HK$57,331
baseline
▲ 0.50% · 4.625%
HK$60,353
+HK$3,022/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$114,662/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,041
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,815
−HK$1,803/mo
Today · 4.125%
HK$60,618
baseline
▲ 0.50% · 4.625%
HK$64,306
+HK$3,688/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$121,236/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,457
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,159
−HK$1,727/mo
Today · 4.125%
HK$66,886
baseline
▲ 0.50% · 4.625%
HK$70,412
+HK$3,526/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$133,772/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,338
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$75,620
−HK$2,317/mo
Today · 4.125%
HK$77,937
baseline
▲ 0.50% · 4.625%
HK$82,680
+HK$4,743/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$155,874/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,049 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,588
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$83,776
−HK$2,220/mo
Today · 4.125%
HK$85,996
baseline
▲ 0.50% · 4.625%
HK$90,529
+HK$4,533/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$171,992/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,049 · Scale 2, in force from 26 Feb 2026)