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$670,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,349
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,565
−HK$1,234/mo
Today · 4.125%
HK$47,799
baseline
▲ 0.50% · 4.625%
HK$50,318
+HK$2,519/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$95,598/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,916
−HK$3,067/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$670,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,418
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,878
−HK$1,480/mo
Today · 4.125%
HK$57,358
baseline
▲ 0.50% · 4.625%
HK$60,382
+HK$3,024/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$670,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,069
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,844
−HK$1,803/mo
Today · 4.125%
HK$60,647
baseline
▲ 0.50% · 4.625%
HK$64,337
+HK$3,690/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$121,294/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,488
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$65,191
−HK$1,727/mo
Today · 4.125%
HK$66,918
baseline
▲ 0.50% · 4.625%
HK$70,446
+HK$3,528/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$133,836/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,374
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$75,656
−HK$2,319/mo
Today · 4.125%
HK$77,975
baseline
▲ 0.50% · 4.625%
HK$82,720
+HK$4,745/mo
Deposit HK$1.79M · loan HK$16.09M · min. income ≈ HK$155,950/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,373 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,628
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$83,817
−HK$2,221/mo
Today · 4.125%
HK$86,038
baseline
▲ 0.50% · 4.625%
HK$90,573
+HK$4,535/mo
Deposit HK$1.79M · loan HK$16.09M · min. income ≈ HK$172,076/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,373 · Scale 2, in force from 26 Feb 2026)