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$40,752
−HK$2,556/mo
▼ 0.25% · 3.875%
HK$42,020
−HK$1,288/mo
Today · 4.125%
HK$43,308
baseline
▲ 0.50% · 4.625%
HK$45,943
+HK$2,635/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$86,616/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,336
−HK$2,450/mo
▼ 0.25% · 3.875%
HK$46,552
−HK$1,234/mo
Today · 4.125%
HK$47,786
baseline
▲ 0.50% · 4.625%
HK$50,304
+HK$2,518/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$95,572/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,902
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,424
−HK$1,545/mo
Today · 4.125%
HK$51,969
baseline
▲ 0.50% · 4.625%
HK$55,131
+HK$3,162/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$103,938/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,403
−HK$2,940/mo
▼ 0.25% · 3.875%
HK$55,863
−HK$1,480/mo
Today · 4.125%
HK$57,343
baseline
▲ 0.50% · 4.625%
HK$60,365
+HK$3,022/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$114,686/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,053
−HK$3,578/mo
▼ 0.25% · 3.875%
HK$58,827
−HK$1,804/mo
Today · 4.125%
HK$60,631
baseline
▲ 0.50% · 4.625%
HK$64,320
+HK$3,689/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$121,262/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,471
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,173
−HK$1,727/mo
Today · 4.125%
HK$66,900
baseline
▲ 0.50% · 4.625%
HK$70,426
+HK$3,526/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$133,800/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,354
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$75,635
−HK$2,319/mo
Today · 4.125%
HK$77,954
baseline
▲ 0.50% · 4.625%
HK$82,697
+HK$4,743/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$155,908/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,188 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,605
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$83,794
−HK$2,220/mo
Today · 4.125%
HK$86,014
baseline
▲ 0.50% · 4.625%
HK$90,548
+HK$4,534/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$172,028/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,188 · Scale 2, in force from 26 Feb 2026)