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$40,905
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,177
−HK$1,293/mo
Today · 4.125%
HK$43,470
baseline
▲ 0.50% · 4.625%
HK$46,115
+HK$2,645/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,940/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,506
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,726
−HK$1,239/mo
Today · 4.125%
HK$47,965
baseline
▲ 0.50% · 4.625%
HK$50,493
+HK$2,528/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,930/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,086
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$50,612
−HK$1,552/mo
Today · 4.125%
HK$52,164
baseline
▲ 0.50% · 4.625%
HK$55,338
+HK$3,174/mo
Deposit HK$7.18M · loan HK$10.76M · min. income ≈ HK$104,328/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,607
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,072
−HK$1,486/mo
Today · 4.125%
HK$57,558
baseline
▲ 0.50% · 4.625%
HK$60,591
+HK$3,033/mo
Deposit HK$7.18M · loan HK$10.76M · min. income ≈ HK$115,116/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,267
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,048
−HK$1,810/mo
Today · 4.125%
HK$60,858
baseline
▲ 0.50% · 4.625%
HK$64,561
+HK$3,703/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$121,716/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,708
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,417
−HK$1,733/mo
Today · 4.125%
HK$67,150
baseline
▲ 0.50% · 4.625%
HK$70,690
+HK$3,540/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$134,300/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,628
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$75,919
−HK$2,327/mo
Today · 4.125%
HK$78,246
baseline
▲ 0.50% · 4.625%
HK$83,007
+HK$4,761/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$156,492/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,911
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,108
−HK$2,228/mo
Today · 4.125%
HK$86,336
baseline
▲ 0.50% · 4.625%
HK$90,887
+HK$4,551/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$172,672/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,699 · Scale 2, in force from 26 Feb 2026)