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$40,781
−HK$2,557/mo
▼ 0.25% · 3.875%
HK$42,049
−HK$1,289/mo
Today · 4.125%
HK$43,338
baseline
▲ 0.50% · 4.625%
HK$45,975
+HK$2,637/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$86,676/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,368
−HK$2,451/mo
▼ 0.25% · 3.875%
HK$46,585
−HK$1,234/mo
Today · 4.125%
HK$47,819
baseline
▲ 0.50% · 4.625%
HK$50,340
+HK$2,521/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$95,638/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,937
−HK$3,068/mo
▼ 0.25% · 3.875%
HK$50,459
−HK$1,546/mo
Today · 4.125%
HK$52,005
baseline
▲ 0.50% · 4.625%
HK$55,170
+HK$3,165/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$104,010/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,442
−HK$2,941/mo
▼ 0.25% · 3.875%
HK$55,902
−HK$1,481/mo
Today · 4.125%
HK$57,383
baseline
▲ 0.50% · 4.625%
HK$60,408
+HK$3,025/mo
Deposit HK$7.15M · loan HK$10.73M · min. income ≈ HK$114,766/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,093
−HK$3,580/mo
▼ 0.25% · 3.875%
HK$58,869
−HK$1,804/mo
Today · 4.125%
HK$60,673
baseline
▲ 0.50% · 4.625%
HK$64,365
+HK$3,692/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$121,346/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,515
−HK$3,432/mo
▼ 0.25% · 3.875%
HK$65,219
−HK$1,728/mo
Today · 4.125%
HK$66,947
baseline
▲ 0.50% · 4.625%
HK$70,476
+HK$3,529/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$133,894/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,405
−HK$4,603/mo
▼ 0.25% · 3.875%
HK$75,688
−HK$2,320/mo
Today · 4.125%
HK$78,008
baseline
▲ 0.50% · 4.625%
HK$82,755
+HK$4,747/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$156,016/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,659 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,662
−HK$4,412/mo
▼ 0.25% · 3.875%
HK$83,853
−HK$2,221/mo
Today · 4.125%
HK$86,074
baseline
▲ 0.50% · 4.625%
HK$90,611
+HK$4,537/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$172,148/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,659 · Scale 2, in force from 26 Feb 2026)