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$40,949
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,223
−HK$1,294/mo
Today · 4.125%
HK$43,517
baseline
▲ 0.50% · 4.625%
HK$46,165
+HK$2,648/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$87,034/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,555
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,777
−HK$1,239/mo
Today · 4.125%
HK$48,016
baseline
▲ 0.50% · 4.625%
HK$50,547
+HK$2,531/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$96,032/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,139
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$50,667
−HK$1,553/mo
Today · 4.125%
HK$52,220
baseline
▲ 0.50% · 4.625%
HK$55,397
+HK$3,177/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$104,440/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,666
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$56,132
−HK$1,488/mo
Today · 4.125%
HK$57,620
baseline
▲ 0.50% · 4.625%
HK$60,657
+HK$3,037/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$115,240/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,328
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,112
−HK$1,811/mo
Today · 4.125%
HK$60,923
baseline
▲ 0.50% · 4.625%
HK$64,630
+HK$3,707/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$121,846/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,777
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,488
−HK$1,735/mo
Today · 4.125%
HK$67,223
baseline
▲ 0.50% · 4.625%
HK$70,766
+HK$3,543/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$134,446/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,708
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$76,001
−HK$2,329/mo
Today · 4.125%
HK$78,330
baseline
▲ 0.50% · 4.625%
HK$83,096
+HK$4,766/mo
Deposit HK$1.80M · loan HK$16.16M · min. income ≈ HK$156,660/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,999
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$84,198
−HK$2,231/mo
Today · 4.125%
HK$86,429
baseline
▲ 0.50% · 4.625%
HK$90,985
+HK$4,556/mo
Deposit HK$1.80M · loan HK$16.16M · min. income ≈ HK$172,858/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,424 · Scale 2, in force from 26 Feb 2026)