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$40,867
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,138
−HK$1,291/mo
Today · 4.125%
HK$43,429
baseline
▲ 0.50% · 4.625%
HK$46,072
+HK$2,643/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,858/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$672,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,464
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,683
−HK$1,237/mo
Today · 4.125%
HK$47,920
baseline
▲ 0.50% · 4.625%
HK$50,446
+HK$2,526/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,840/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$672,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,040
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,565
−HK$1,550/mo
Today · 4.125%
HK$52,115
baseline
▲ 0.50% · 4.625%
HK$55,286
+HK$3,171/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$104,230/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,557
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$56,020
−HK$1,484/mo
Today · 4.125%
HK$57,504
baseline
▲ 0.50% · 4.625%
HK$60,535
+HK$3,031/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$115,008/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,213
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$58,993
−HK$1,808/mo
Today · 4.125%
HK$60,801
baseline
▲ 0.50% · 4.625%
HK$64,501
+HK$3,700/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$121,602/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,649
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,356
−HK$1,732/mo
Today · 4.125%
HK$67,088
baseline
▲ 0.50% · 4.625%
HK$70,624
+HK$3,536/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$134,176/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,560
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$75,848
−HK$2,325/mo
Today · 4.125%
HK$78,173
baseline
▲ 0.50% · 4.625%
HK$82,930
+HK$4,757/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$156,346/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$672,075 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,835
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$84,030
−HK$2,226/mo
Today · 4.125%
HK$86,256
baseline
▲ 0.50% · 4.625%
HK$90,803
+HK$4,547/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$172,512/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$672,075 · Scale 2, in force from 26 Feb 2026)