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$40,774
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,042
−HK$1,288/mo
Today · 4.125%
HK$43,330
baseline
▲ 0.50% · 4.625%
HK$45,967
+HK$2,637/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$86,660/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,360
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,577
−HK$1,234/mo
Today · 4.125%
HK$47,811
baseline
▲ 0.50% · 4.625%
HK$50,331
+HK$2,520/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$95,622/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,928
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,450
−HK$1,546/mo
Today · 4.125%
HK$51,996
baseline
▲ 0.50% · 4.625%
HK$55,160
+HK$3,164/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$103,992/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,432
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,892
−HK$1,481/mo
Today · 4.125%
HK$57,373
baseline
▲ 0.50% · 4.625%
HK$60,397
+HK$3,024/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$114,746/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,083
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,859
−HK$1,804/mo
Today · 4.125%
HK$60,663
baseline
▲ 0.50% · 4.625%
HK$64,354
+HK$3,691/mo
Deposit HK$5.36M · loan HK$12.52M · min. income ≈ HK$121,326/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,504
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,207
−HK$1,728/mo
Today · 4.125%
HK$66,935
baseline
▲ 0.50% · 4.625%
HK$70,463
+HK$3,528/mo
Deposit HK$5.36M · loan HK$12.52M · min. income ≈ HK$133,870/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,392
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$75,675
−HK$2,320/mo
Today · 4.125%
HK$77,995
baseline
▲ 0.50% · 4.625%
HK$82,740
+HK$4,745/mo
Deposit HK$1.79M · loan HK$16.09M · min. income ≈ HK$155,990/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,648
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$83,838
−HK$2,221/mo
Today · 4.125%
HK$86,059
baseline
▲ 0.50% · 4.625%
HK$90,596
+HK$4,537/mo
Deposit HK$1.79M · loan HK$16.09M · min. income ≈ HK$172,118/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,542 · Scale 2, in force from 26 Feb 2026)