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$40,887
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,158
−HK$1,293/mo
Today · 4.125%
HK$43,451
baseline
▲ 0.50% · 4.625%
HK$46,095
+HK$2,644/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,902/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,486
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,706
−HK$1,237/mo
Today · 4.125%
HK$47,943
baseline
▲ 0.50% · 4.625%
HK$50,471
+HK$2,528/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,886/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,064
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,590
−HK$1,551/mo
Today · 4.125%
HK$52,141
baseline
▲ 0.50% · 4.625%
HK$55,313
+HK$3,172/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$104,282/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,583
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,047
−HK$1,485/mo
Today · 4.125%
HK$57,532
baseline
▲ 0.50% · 4.625%
HK$60,565
+HK$3,033/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$115,064/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,241
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,022
−HK$1,809/mo
Today · 4.125%
HK$60,831
baseline
▲ 0.50% · 4.625%
HK$64,532
+HK$3,701/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$121,662/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,680
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,388
−HK$1,733/mo
Today · 4.125%
HK$67,121
baseline
▲ 0.50% · 4.625%
HK$70,659
+HK$3,538/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$134,242/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,596
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$75,885
−HK$2,326/mo
Today · 4.125%
HK$78,211
baseline
▲ 0.50% · 4.625%
HK$82,970
+HK$4,759/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$156,422/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,875
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,071
−HK$2,227/mo
Today · 4.125%
HK$86,298
baseline
▲ 0.50% · 4.625%
HK$90,847
+HK$4,549/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$172,596/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,403 · Scale 2, in force from 26 Feb 2026)