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$40,792
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,061
−HK$1,289/mo
Today · 4.125%
HK$43,350
baseline
▲ 0.50% · 4.625%
HK$45,988
+HK$2,638/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$86,700/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$670,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,381
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,598
−HK$1,235/mo
Today · 4.125%
HK$47,833
baseline
▲ 0.50% · 4.625%
HK$50,354
+HK$2,521/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$95,666/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$670,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,951
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,473
−HK$1,547/mo
Today · 4.125%
HK$52,020
baseline
▲ 0.50% · 4.625%
HK$55,186
+HK$3,166/mo
Deposit HK$7.16M · loan HK$10.73M · min. income ≈ HK$104,040/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$670,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,457
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$55,918
−HK$1,481/mo
Today · 4.125%
HK$57,399
baseline
▲ 0.50% · 4.625%
HK$60,425
+HK$3,026/mo
Deposit HK$7.16M · loan HK$10.73M · min. income ≈ HK$114,798/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$670,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,109
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$58,885
−HK$1,805/mo
Today · 4.125%
HK$60,690
baseline
▲ 0.50% · 4.625%
HK$64,383
+HK$3,693/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$121,380/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,533
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,237
−HK$1,729/mo
Today · 4.125%
HK$66,966
baseline
▲ 0.50% · 4.625%
HK$70,496
+HK$3,530/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$133,932/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,426
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,710
−HK$2,320/mo
Today · 4.125%
HK$78,030
baseline
▲ 0.50% · 4.625%
HK$82,778
+HK$4,748/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$156,060/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,849 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,686
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,876
−HK$2,223/mo
Today · 4.125%
HK$86,099
baseline
▲ 0.50% · 4.625%
HK$90,637
+HK$4,538/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$172,198/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,849 · Scale 2, in force from 26 Feb 2026)