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$40,759
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,027
−HK$1,288/mo
Today · 4.125%
HK$43,315
baseline
▲ 0.50% · 4.625%
HK$45,951
+HK$2,636/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$86,630/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,344
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,561
−HK$1,233/mo
Today · 4.125%
HK$47,794
baseline
▲ 0.50% · 4.625%
HK$50,314
+HK$2,520/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$95,588/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,911
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,433
−HK$1,545/mo
Today · 4.125%
HK$51,978
baseline
▲ 0.50% · 4.625%
HK$55,141
+HK$3,163/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$103,956/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,413
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,873
−HK$1,480/mo
Today · 4.125%
HK$57,353
baseline
▲ 0.50% · 4.625%
HK$60,376
+HK$3,023/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$114,706/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,063
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$58,838
−HK$1,804/mo
Today · 4.125%
HK$60,642
baseline
▲ 0.50% · 4.625%
HK$64,331
+HK$3,689/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$670,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,482
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$65,185
−HK$1,727/mo
Today · 4.125%
HK$66,912
baseline
▲ 0.50% · 4.625%
HK$70,439
+HK$3,527/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$133,824/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,367
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$75,649
−HK$2,319/mo
Today · 4.125%
HK$77,968
baseline
▲ 0.50% · 4.625%
HK$82,712
+HK$4,744/mo
Deposit HK$1.79M · loan HK$16.09M · min. income ≈ HK$155,936/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,310 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,620
−HK$4,410/mo
▼ 0.25% · 3.875%
HK$83,809
−HK$2,221/mo
Today · 4.125%
HK$86,030
baseline
▲ 0.50% · 4.625%
HK$90,564
+HK$4,534/mo
Deposit HK$1.79M · loan HK$16.09M · min. income ≈ HK$172,060/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,310 · Scale 2, in force from 26 Feb 2026)