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$40,760
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,028
−HK$1,288/mo
Today · 4.125%
HK$43,316
baseline
▲ 0.50% · 4.625%
HK$45,952
+HK$2,636/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$86,632/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,345
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,561
−HK$1,234/mo
Today · 4.125%
HK$47,795
baseline
▲ 0.50% · 4.625%
HK$50,314
+HK$2,519/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$95,590/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,912
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,433
−HK$1,546/mo
Today · 4.125%
HK$51,979
baseline
▲ 0.50% · 4.625%
HK$55,142
+HK$3,163/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$103,958/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,414
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,873
−HK$1,481/mo
Today · 4.125%
HK$57,354
baseline
▲ 0.50% · 4.625%
HK$60,377
+HK$3,023/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$114,708/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,064
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,839
−HK$1,803/mo
Today · 4.125%
HK$60,642
baseline
▲ 0.50% · 4.625%
HK$64,332
+HK$3,690/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$121,284/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,483
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$65,186
−HK$1,727/mo
Today · 4.125%
HK$66,913
baseline
▲ 0.50% · 4.625%
HK$70,440
+HK$3,527/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$133,826/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,368
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$75,650
−HK$2,319/mo
Today · 4.125%
HK$77,969
baseline
▲ 0.50% · 4.625%
HK$82,713
+HK$4,744/mo
Deposit HK$1.79M · loan HK$16.09M · min. income ≈ HK$155,938/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,319 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,621
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$83,810
−HK$2,221/mo
Today · 4.125%
HK$86,031
baseline
▲ 0.50% · 4.625%
HK$90,566
+HK$4,535/mo
Deposit HK$1.79M · loan HK$16.09M · min. income ≈ HK$172,062/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,319 · Scale 2, in force from 26 Feb 2026)