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$40,880
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,152
−HK$1,291/mo
Today · 4.125%
HK$43,443
baseline
▲ 0.50% · 4.625%
HK$46,087
+HK$2,644/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,886/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,479
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,698
−HK$1,238/mo
Today · 4.125%
HK$47,936
baseline
▲ 0.50% · 4.625%
HK$50,462
+HK$2,526/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,872/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,056
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,582
−HK$1,550/mo
Today · 4.125%
HK$52,132
baseline
▲ 0.50% · 4.625%
HK$55,304
+HK$3,172/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$104,264/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,574
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,038
−HK$1,485/mo
Today · 4.125%
HK$57,523
baseline
▲ 0.50% · 4.625%
HK$60,555
+HK$3,032/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$115,046/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,232
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,012
−HK$1,809/mo
Today · 4.125%
HK$60,821
baseline
▲ 0.50% · 4.625%
HK$64,522
+HK$3,701/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$121,642/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,670
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,378
−HK$1,732/mo
Today · 4.125%
HK$67,110
baseline
▲ 0.50% · 4.625%
HK$70,647
+HK$3,537/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$134,220/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,584
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$75,873
−HK$2,325/mo
Today · 4.125%
HK$78,198
baseline
▲ 0.50% · 4.625%
HK$82,956
+HK$4,758/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$156,396/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,292 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,861
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,057
−HK$2,227/mo
Today · 4.125%
HK$86,284
baseline
▲ 0.50% · 4.625%
HK$90,832
+HK$4,548/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$172,568/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,292 · Scale 2, in force from 26 Feb 2026)