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$40,778
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,046
−HK$1,289/mo
Today · 4.125%
HK$43,335
baseline
▲ 0.50% · 4.625%
HK$45,972
+HK$2,637/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$86,670/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,365
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,582
−HK$1,234/mo
Today · 4.125%
HK$47,816
baseline
▲ 0.50% · 4.625%
HK$50,336
+HK$2,520/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$95,632/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,933
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,455
−HK$1,547/mo
Today · 4.125%
HK$52,002
baseline
▲ 0.50% · 4.625%
HK$55,166
+HK$3,164/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$104,004/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,438
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,898
−HK$1,481/mo
Today · 4.125%
HK$57,379
baseline
▲ 0.50% · 4.625%
HK$60,403
+HK$3,024/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$114,758/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,089
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,865
−HK$1,804/mo
Today · 4.125%
HK$60,669
baseline
▲ 0.50% · 4.625%
HK$64,360
+HK$3,691/mo
Deposit HK$5.36M · loan HK$12.52M · min. income ≈ HK$121,338/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,511
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,214
−HK$1,728/mo
Today · 4.125%
HK$66,942
baseline
▲ 0.50% · 4.625%
HK$70,471
+HK$3,529/mo
Deposit HK$5.36M · loan HK$12.52M · min. income ≈ HK$133,884/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,400
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$75,683
−HK$2,320/mo
Today · 4.125%
HK$78,003
baseline
▲ 0.50% · 4.625%
HK$82,749
+HK$4,746/mo
Deposit HK$1.79M · loan HK$16.09M · min. income ≈ HK$156,006/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,612 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,657
−HK$4,411/mo
▼ 0.25% · 3.875%
HK$83,847
−HK$2,221/mo
Today · 4.125%
HK$86,068
baseline
▲ 0.50% · 4.625%
HK$90,605
+HK$4,537/mo
Deposit HK$1.79M · loan HK$16.09M · min. income ≈ HK$172,136/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,612 · Scale 2, in force from 26 Feb 2026)