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$40,948
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,221
−HK$1,295/mo
Today · 4.125%
HK$43,516
baseline
▲ 0.50% · 4.625%
HK$46,163
+HK$2,647/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$87,032/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,554
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,776
−HK$1,239/mo
Today · 4.125%
HK$48,015
baseline
▲ 0.50% · 4.625%
HK$50,546
+HK$2,531/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$96,030/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,137
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$50,666
−HK$1,553/mo
Today · 4.125%
HK$52,219
baseline
▲ 0.50% · 4.625%
HK$55,396
+HK$3,177/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$104,438/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,665
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,131
−HK$1,487/mo
Today · 4.125%
HK$57,618
baseline
▲ 0.50% · 4.625%
HK$60,655
+HK$3,037/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$115,236/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,327
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,110
−HK$1,812/mo
Today · 4.125%
HK$60,922
baseline
▲ 0.50% · 4.625%
HK$64,629
+HK$3,707/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$121,844/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,775
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,486
−HK$1,735/mo
Today · 4.125%
HK$67,221
baseline
▲ 0.50% · 4.625%
HK$70,764
+HK$3,543/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$134,442/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,706
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$75,999
−HK$2,329/mo
Today · 4.125%
HK$78,328
baseline
▲ 0.50% · 4.625%
HK$83,094
+HK$4,766/mo
Deposit HK$1.80M · loan HK$16.16M · min. income ≈ HK$156,656/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,407 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,997
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$84,196
−HK$2,231/mo
Today · 4.125%
HK$86,427
baseline
▲ 0.50% · 4.625%
HK$90,983
+HK$4,556/mo
Deposit HK$1.80M · loan HK$16.16M · min. income ≈ HK$172,854/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,407 · Scale 2, in force from 26 Feb 2026)