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$40,924
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,197
−HK$1,293/mo
Today · 4.125%
HK$43,490
baseline
▲ 0.50% · 4.625%
HK$46,136
+HK$2,646/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,980/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,527
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$46,748
−HK$1,239/mo
Today · 4.125%
HK$47,987
baseline
▲ 0.50% · 4.625%
HK$50,517
+HK$2,530/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,974/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,109
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,636
−HK$1,552/mo
Today · 4.125%
HK$52,188
baseline
▲ 0.50% · 4.625%
HK$55,364
+HK$3,176/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$104,376/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$673,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,633
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,098
−HK$1,487/mo
Today · 4.125%
HK$57,585
baseline
▲ 0.50% · 4.625%
HK$60,620
+HK$3,035/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$115,170/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$673,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,293
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,076
−HK$1,810/mo
Today · 4.125%
HK$60,886
baseline
▲ 0.50% · 4.625%
HK$64,591
+HK$3,705/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$121,772/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,738
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$65,448
−HK$1,734/mo
Today · 4.125%
HK$67,182
baseline
▲ 0.50% · 4.625%
HK$70,723
+HK$3,541/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$134,364/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,663
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,954
−HK$2,328/mo
Today · 4.125%
HK$78,282
baseline
▲ 0.50% · 4.625%
HK$83,046
+HK$4,764/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$156,564/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,015 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,949
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$84,147
−HK$2,230/mo
Today · 4.125%
HK$86,377
baseline
▲ 0.50% · 4.625%
HK$90,930
+HK$4,553/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$172,754/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,015 · Scale 2, in force from 26 Feb 2026)