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$40,757
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,025
−HK$1,288/mo
Today · 4.125%
HK$43,313
baseline
▲ 0.50% · 4.625%
HK$45,948
+HK$2,635/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$86,626/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,341
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,558
−HK$1,233/mo
Today · 4.125%
HK$47,791
baseline
▲ 0.50% · 4.625%
HK$50,310
+HK$2,519/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$95,582/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,908
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,429
−HK$1,546/mo
Today · 4.125%
HK$51,975
baseline
▲ 0.50% · 4.625%
HK$55,138
+HK$3,163/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$103,950/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,410
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,869
−HK$1,480/mo
Today · 4.125%
HK$57,349
baseline
▲ 0.50% · 4.625%
HK$60,372
+HK$3,023/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$114,698/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,059
−HK$3,579/mo
▼ 0.25% · 3.875%
HK$58,834
−HK$1,804/mo
Today · 4.125%
HK$60,638
baseline
▲ 0.50% · 4.625%
HK$64,327
+HK$3,689/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$121,276/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,478
−HK$3,430/mo
▼ 0.25% · 3.875%
HK$65,181
−HK$1,727/mo
Today · 4.125%
HK$66,908
baseline
▲ 0.50% · 4.625%
HK$70,434
+HK$3,526/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$133,816/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,362
−HK$4,601/mo
▼ 0.25% · 3.875%
HK$75,644
−HK$2,319/mo
Today · 4.125%
HK$77,963
baseline
▲ 0.50% · 4.625%
HK$82,706
+HK$4,743/mo
Deposit HK$1.79M · loan HK$16.09M · min. income ≈ HK$155,926/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,266 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,615
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$83,804
−HK$2,220/mo
Today · 4.125%
HK$86,024
baseline
▲ 0.50% · 4.625%
HK$90,558
+HK$4,534/mo
Deposit HK$1.79M · loan HK$16.09M · min. income ≈ HK$172,048/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,266 · Scale 2, in force from 26 Feb 2026)