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$40,919
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,192
−HK$1,293/mo
Today · 4.125%
HK$43,485
baseline
▲ 0.50% · 4.625%
HK$46,131
+HK$2,646/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,970/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$672,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,522
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$46,743
−HK$1,239/mo
Today · 4.125%
HK$47,982
baseline
▲ 0.50% · 4.625%
HK$50,511
+HK$2,529/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,964/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$672,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,103
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,630
−HK$1,552/mo
Today · 4.125%
HK$52,182
baseline
▲ 0.50% · 4.625%
HK$55,357
+HK$3,175/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$104,364/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,627
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,092
−HK$1,486/mo
Today · 4.125%
HK$57,578
baseline
▲ 0.50% · 4.625%
HK$60,613
+HK$3,035/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$115,156/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,287
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$59,069
−HK$1,810/mo
Today · 4.125%
HK$60,879
baseline
▲ 0.50% · 4.625%
HK$64,584
+HK$3,705/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$121,758/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$672,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,731
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,440
−HK$1,734/mo
Today · 4.125%
HK$67,174
baseline
▲ 0.50% · 4.625%
HK$70,715
+HK$3,541/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$134,348/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$672,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,654
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,945
−HK$2,328/mo
Today · 4.125%
HK$78,273
baseline
▲ 0.50% · 4.625%
HK$83,036
+HK$4,763/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$156,546/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,937 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,940
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,137
−HK$2,230/mo
Today · 4.125%
HK$86,367
baseline
▲ 0.50% · 4.625%
HK$90,919
+HK$4,552/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$172,734/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,937 · Scale 2, in force from 26 Feb 2026)