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$40,784
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,053
−HK$1,289/mo
Today · 4.125%
HK$43,342
baseline
▲ 0.50% · 4.625%
HK$45,979
+HK$2,637/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$86,684/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,372
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,589
−HK$1,234/mo
Today · 4.125%
HK$47,823
baseline
▲ 0.50% · 4.625%
HK$50,344
+HK$2,521/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$95,646/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,941
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,464
−HK$1,546/mo
Today · 4.125%
HK$52,010
baseline
▲ 0.50% · 4.625%
HK$55,175
+HK$3,165/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$104,020/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$670,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,447
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,907
−HK$1,481/mo
Today · 4.125%
HK$57,388
baseline
▲ 0.50% · 4.625%
HK$60,413
+HK$3,025/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$114,776/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$670,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,098
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$58,874
−HK$1,805/mo
Today · 4.125%
HK$60,679
baseline
▲ 0.50% · 4.625%
HK$64,371
+HK$3,692/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$121,358/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,521
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$65,225
−HK$1,728/mo
Today · 4.125%
HK$66,953
baseline
▲ 0.50% · 4.625%
HK$70,482
+HK$3,529/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$133,906/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,412
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$75,695
−HK$2,320/mo
Today · 4.125%
HK$78,015
baseline
▲ 0.50% · 4.625%
HK$82,762
+HK$4,747/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$156,030/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,720 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,670
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$83,860
−HK$2,222/mo
Today · 4.125%
HK$86,082
baseline
▲ 0.50% · 4.625%
HK$90,620
+HK$4,538/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$172,164/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,720 · Scale 2, in force from 26 Feb 2026)