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$40,957
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,231
−HK$1,294/mo
Today · 4.125%
HK$43,525
baseline
▲ 0.50% · 4.625%
HK$46,173
+HK$2,648/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$87,050/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,564
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,786
−HK$1,239/mo
Today · 4.125%
HK$48,025
baseline
▲ 0.50% · 4.625%
HK$50,557
+HK$2,532/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$96,050/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,148
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$50,677
−HK$1,553/mo
Today · 4.125%
HK$52,230
baseline
▲ 0.50% · 4.625%
HK$55,408
+HK$3,178/mo
Deposit HK$7.18M · loan HK$10.78M · min. income ≈ HK$104,460/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,676
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$56,143
−HK$1,487/mo
Today · 4.125%
HK$57,630
baseline
▲ 0.50% · 4.625%
HK$60,668
+HK$3,038/mo
Deposit HK$7.18M · loan HK$10.78M · min. income ≈ HK$115,260/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,339
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$59,123
−HK$1,812/mo
Today · 4.125%
HK$60,935
baseline
▲ 0.50% · 4.625%
HK$64,643
+HK$3,708/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$121,870/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,789
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$65,500
−HK$1,736/mo
Today · 4.125%
HK$67,236
baseline
▲ 0.50% · 4.625%
HK$70,780
+HK$3,544/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$134,472/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,722
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$76,015
−HK$2,330/mo
Today · 4.125%
HK$78,345
baseline
▲ 0.50% · 4.625%
HK$83,112
+HK$4,767/mo
Deposit HK$1.80M · loan HK$16.17M · min. income ≈ HK$156,690/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,015
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$84,214
−HK$2,232/mo
Today · 4.125%
HK$86,446
baseline
▲ 0.50% · 4.625%
HK$91,002
+HK$4,556/mo
Deposit HK$1.80M · loan HK$16.17M · min. income ≈ HK$172,892/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,552 · Scale 2, in force from 26 Feb 2026)