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$40,749
−HK$2,555/mo
▼ 0.25% · 3.875%
HK$42,016
−HK$1,288/mo
Today · 4.125%
HK$43,304
baseline
▲ 0.50% · 4.625%
HK$45,939
+HK$2,635/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$86,608/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,332
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,548
−HK$1,233/mo
Today · 4.125%
HK$47,781
baseline
▲ 0.50% · 4.625%
HK$50,300
+HK$2,519/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$95,562/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,898
−HK$3,067/mo
▼ 0.25% · 3.875%
HK$50,419
−HK$1,546/mo
Today · 4.125%
HK$51,965
baseline
▲ 0.50% · 4.625%
HK$55,126
+HK$3,161/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$103,930/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,399
−HK$2,939/mo
▼ 0.25% · 3.875%
HK$55,858
−HK$1,480/mo
Today · 4.125%
HK$57,338
baseline
▲ 0.50% · 4.625%
HK$60,360
+HK$3,022/mo
Deposit HK$7.15M · loan HK$10.72M · min. income ≈ HK$114,676/mo (50% DSR)
Upfront cash ≈ HK$7.82M (deposit + AVD stamp duty HK$670,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,048
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,822
−HK$1,803/mo
Today · 4.125%
HK$60,625
baseline
▲ 0.50% · 4.625%
HK$64,314
+HK$3,689/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$121,250/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,465
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,167
−HK$1,727/mo
Today · 4.125%
HK$66,894
baseline
▲ 0.50% · 4.625%
HK$70,420
+HK$3,526/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$133,788/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,347
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$75,629
−HK$2,318/mo
Today · 4.125%
HK$77,947
baseline
▲ 0.50% · 4.625%
HK$82,690
+HK$4,743/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$155,894/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,131 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,598
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$83,787
−HK$2,220/mo
Today · 4.125%
HK$86,007
baseline
▲ 0.50% · 4.625%
HK$90,540
+HK$4,533/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$172,014/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,131 · Scale 2, in force from 26 Feb 2026)