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$670,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,333
−HK$2,449/mo
▼ 0.25% · 3.875%
HK$46,549
−HK$1,233/mo
Today · 4.125%
HK$47,782
baseline
▲ 0.50% · 4.625%
HK$50,301
+HK$2,519/mo
Deposit HK$8.94M · loan HK$8.94M · min. income ≈ HK$95,564/mo (50% DSR)
Upfront cash ≈ HK$9.61M (deposit + AVD stamp duty HK$670,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,899
−HK$3,066/mo
▼ 0.25% · 3.875%
HK$50,420
−HK$1,545/mo
Today · 4.125%
HK$51,965
baseline
▲ 0.50% · 4.625%
HK$55,127
+HK$3,162/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$670,138 · 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$60,361
+HK$3,023/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$670,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,049
−HK$3,577/mo
▼ 0.25% · 3.875%
HK$58,823
−HK$1,803/mo
Today · 4.125%
HK$60,626
baseline
▲ 0.50% · 4.625%
HK$64,315
+HK$3,689/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$121,252/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,466
−HK$3,429/mo
▼ 0.25% · 3.875%
HK$65,168
−HK$1,727/mo
Today · 4.125%
HK$66,895
baseline
▲ 0.50% · 4.625%
HK$70,421
+HK$3,526/mo
Deposit HK$5.36M · loan HK$12.51M · min. income ≈ HK$133,790/mo (50% DSR)
Upfront cash ≈ HK$6.03M (deposit + AVD stamp duty HK$670,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,348
−HK$4,600/mo
▼ 0.25% · 3.875%
HK$75,630
−HK$2,318/mo
Today · 4.125%
HK$77,948
baseline
▲ 0.50% · 4.625%
HK$82,691
+HK$4,743/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$155,896/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,138 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,599
−HK$4,409/mo
▼ 0.25% · 3.875%
HK$83,787
−HK$2,221/mo
Today · 4.125%
HK$86,008
baseline
▲ 0.50% · 4.625%
HK$90,541
+HK$4,533/mo
Deposit HK$1.79M · loan HK$16.08M · min. income ≈ HK$172,016/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,138 · Scale 2, in force from 26 Feb 2026)