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$40,939
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,212
−HK$1,294/mo
Today · 4.125%
HK$43,506
baseline
▲ 0.50% · 4.625%
HK$46,154
+HK$2,648/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$87,012/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,544
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,766
−HK$1,239/mo
Today · 4.125%
HK$48,005
baseline
▲ 0.50% · 4.625%
HK$50,535
+HK$2,530/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$96,010/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,127
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$50,655
−HK$1,553/mo
Today · 4.125%
HK$52,208
baseline
▲ 0.50% · 4.625%
HK$55,384
+HK$3,176/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$104,416/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$673,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,653
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,119
−HK$1,487/mo
Today · 4.125%
HK$57,606
baseline
▲ 0.50% · 4.625%
HK$60,642
+HK$3,036/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$115,212/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$673,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,315
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$59,097
−HK$1,812/mo
Today · 4.125%
HK$60,909
baseline
▲ 0.50% · 4.625%
HK$64,615
+HK$3,706/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$121,818/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,762
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$65,472
−HK$1,735/mo
Today · 4.125%
HK$67,207
baseline
▲ 0.50% · 4.625%
HK$70,749
+HK$3,542/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$134,414/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,690
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$75,982
−HK$2,329/mo
Today · 4.125%
HK$78,311
baseline
▲ 0.50% · 4.625%
HK$83,076
+HK$4,765/mo
Deposit HK$1.80M · loan HK$16.16M · min. income ≈ HK$156,622/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,264 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,980
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$84,178
−HK$2,231/mo
Today · 4.125%
HK$86,409
baseline
▲ 0.50% · 4.625%
HK$90,964
+HK$4,555/mo
Deposit HK$1.80M · loan HK$16.16M · min. income ≈ HK$172,818/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,264 · Scale 2, in force from 26 Feb 2026)