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$40,763
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,031
−HK$1,288/mo
Today · 4.125%
HK$43,319
baseline
▲ 0.50% · 4.625%
HK$45,955
+HK$2,636/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$86,638/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,348
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,564
−HK$1,234/mo
Today · 4.125%
HK$47,798
baseline
▲ 0.50% · 4.625%
HK$50,318
+HK$2,520/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$95,596/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,915
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,437
−HK$1,546/mo
Today · 4.125%
HK$51,983
baseline
▲ 0.50% · 4.625%
HK$55,146
+HK$3,163/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$103,966/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,418
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,877
−HK$1,481/mo
Today · 4.125%
HK$57,358
baseline
▲ 0.50% · 4.625%
HK$60,381
+HK$3,023/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$114,716/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,068
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,843
−HK$1,803/mo
Today · 4.125%
HK$60,646
baseline
▲ 0.50% · 4.625%
HK$64,337
+HK$3,691/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$121,292/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,487
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$65,190
−HK$1,727/mo
Today · 4.125%
HK$66,917
baseline
▲ 0.50% · 4.625%
HK$70,445
+HK$3,528/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$133,834/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,373
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$75,655
−HK$2,319/mo
Today · 4.125%
HK$77,974
baseline
▲ 0.50% · 4.625%
HK$82,718
+HK$4,744/mo
Deposit HK$1.79M · loan HK$16.09M · min. income ≈ HK$155,948/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,364 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,627
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$83,816
−HK$2,221/mo
Today · 4.125%
HK$86,037
baseline
▲ 0.50% · 4.625%
HK$90,572
+HK$4,535/mo
Deposit HK$1.79M · loan HK$16.09M · min. income ≈ HK$172,074/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,364 · Scale 2, in force from 26 Feb 2026)