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$40,783
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,051
−HK$1,289/mo
Today · 4.125%
HK$43,340
baseline
▲ 0.50% · 4.625%
HK$45,977
+HK$2,637/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$86,680/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,370
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,587
−HK$1,235/mo
Today · 4.125%
HK$47,822
baseline
▲ 0.50% · 4.625%
HK$50,342
+HK$2,520/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$95,644/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,939
−HK$3,069/mo
▼ 0.25% · 3.875%
HK$50,462
−HK$1,546/mo
Today · 4.125%
HK$52,008
baseline
▲ 0.50% · 4.625%
HK$55,173
+HK$3,165/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$104,016/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,445
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,905
−HK$1,481/mo
Today · 4.125%
HK$57,386
baseline
▲ 0.50% · 4.625%
HK$60,411
+HK$3,025/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$114,772/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,096
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,872
−HK$1,804/mo
Today · 4.125%
HK$60,676
baseline
▲ 0.50% · 4.625%
HK$64,368
+HK$3,692/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$121,352/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,519
−HK$3,431/mo
▼ 0.25% · 3.875%
HK$65,222
−HK$1,728/mo
Today · 4.125%
HK$66,950
baseline
▲ 0.50% · 4.625%
HK$70,479
+HK$3,529/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$133,900/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,409
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$75,692
−HK$2,320/mo
Today · 4.125%
HK$78,012
baseline
▲ 0.50% · 4.625%
HK$82,759
+HK$4,747/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$156,024/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,667
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$83,857
−HK$2,222/mo
Today · 4.125%
HK$86,079
baseline
▲ 0.50% · 4.625%
HK$90,616
+HK$4,537/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$172,158/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,694 · Scale 2, in force from 26 Feb 2026)