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$40,746
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,013
−HK$1,288/mo
Today · 4.125%
HK$43,301
baseline
▲ 0.50% · 4.625%
HK$45,936
+HK$2,635/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$86,602/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$670,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,329
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,545
−HK$1,233/mo
Today · 4.125%
HK$47,778
baseline
▲ 0.50% · 4.625%
HK$50,297
+HK$2,519/mo
Deposit HK$8.93M · loan HK$8.93M · min. income ≈ HK$95,556/mo (50% DSR)
Upfront cash ≈ HK$9.60M (deposit + AVD stamp duty HK$670,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,895
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$50,416
−HK$1,545/mo
Today · 4.125%
HK$51,961
baseline
▲ 0.50% · 4.625%
HK$55,123
+HK$3,162/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$103,922/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,395
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,854
−HK$1,480/mo
Today · 4.125%
HK$57,334
baseline
▲ 0.50% · 4.625%
HK$60,356
+HK$3,022/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$114,668/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,044
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,819
−HK$1,802/mo
Today · 4.125%
HK$60,621
baseline
▲ 0.50% · 4.625%
HK$64,310
+HK$3,689/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$121,242/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,461
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,163
−HK$1,727/mo
Today · 4.125%
HK$66,890
baseline
▲ 0.50% · 4.625%
HK$70,416
+HK$3,526/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$133,780/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,343
−HK$4,599/mo
▼ 0.25% · 3.875%
HK$75,624
−HK$2,318/mo
Today · 4.125%
HK$77,942
baseline
▲ 0.50% · 4.625%
HK$82,684
+HK$4,742/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$155,884/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,088 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,593
−HK$4,408/mo
▼ 0.25% · 3.875%
HK$83,781
−HK$2,220/mo
Today · 4.125%
HK$86,001
baseline
▲ 0.50% · 4.625%
HK$90,534
+HK$4,533/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$172,002/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,088 · Scale 2, in force from 26 Feb 2026)