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$40,886
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,158
−HK$1,292/mo
Today · 4.125%
HK$43,450
baseline
▲ 0.50% · 4.625%
HK$46,094
+HK$2,644/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,900/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,486
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,705
−HK$1,238/mo
Today · 4.125%
HK$47,943
baseline
▲ 0.50% · 4.625%
HK$50,470
+HK$2,527/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$672,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,063
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,590
−HK$1,550/mo
Today · 4.125%
HK$52,140
baseline
▲ 0.50% · 4.625%
HK$55,313
+HK$3,173/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$104,280/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,583
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,046
−HK$1,486/mo
Today · 4.125%
HK$57,532
baseline
▲ 0.50% · 4.625%
HK$60,564
+HK$3,032/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$672,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,241
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,021
−HK$1,809/mo
Today · 4.125%
HK$60,830
baseline
▲ 0.50% · 4.625%
HK$64,532
+HK$3,702/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$121,660/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,680
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,388
−HK$1,732/mo
Today · 4.125%
HK$67,120
baseline
▲ 0.50% · 4.625%
HK$70,658
+HK$3,538/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$134,240/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,595
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$75,884
−HK$2,326/mo
Today · 4.125%
HK$78,210
baseline
▲ 0.50% · 4.625%
HK$82,969
+HK$4,759/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$156,420/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,396 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,874
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,070
−HK$2,227/mo
Today · 4.125%
HK$86,297
baseline
▲ 0.50% · 4.625%
HK$90,846
+HK$4,549/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$172,594/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,396 · Scale 2, in force from 26 Feb 2026)