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$40,787
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,056
−HK$1,289/mo
Today · 4.125%
HK$43,345
baseline
▲ 0.50% · 4.625%
HK$45,982
+HK$2,637/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$86,690/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,375
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,592
−HK$1,234/mo
Today · 4.125%
HK$47,826
baseline
▲ 0.50% · 4.625%
HK$50,347
+HK$2,521/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$95,652/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,944
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$50,467
−HK$1,547/mo
Today · 4.125%
HK$52,014
baseline
▲ 0.50% · 4.625%
HK$55,178
+HK$3,164/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$104,028/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$670,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,450
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$55,910
−HK$1,482/mo
Today · 4.125%
HK$57,392
baseline
▲ 0.50% · 4.625%
HK$60,417
+HK$3,025/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$114,784/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$670,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,102
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,878
−HK$1,804/mo
Today · 4.125%
HK$60,682
baseline
▲ 0.50% · 4.625%
HK$64,375
+HK$3,693/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$121,364/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,525
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$65,229
−HK$1,728/mo
Today · 4.125%
HK$66,957
baseline
▲ 0.50% · 4.625%
HK$70,486
+HK$3,529/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$133,914/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,416
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,700
−HK$2,320/mo
Today · 4.125%
HK$78,020
baseline
▲ 0.50% · 4.625%
HK$82,768
+HK$4,748/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$156,040/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,762 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,675
−HK$4,413/mo
▼ 0.25% · 3.875%
HK$83,866
−HK$2,222/mo
Today · 4.125%
HK$86,088
baseline
▲ 0.50% · 4.625%
HK$90,625
+HK$4,537/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$172,176/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,762 · Scale 2, in force from 26 Feb 2026)