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$40,852
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,123
−HK$1,291/mo
Today · 4.125%
HK$43,414
baseline
▲ 0.50% · 4.625%
HK$46,056
+HK$2,642/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,828/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,448
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,667
−HK$1,236/mo
Today · 4.125%
HK$47,903
baseline
▲ 0.50% · 4.625%
HK$50,428
+HK$2,525/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,806/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,023
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$50,548
−HK$1,549/mo
Today · 4.125%
HK$52,097
baseline
▲ 0.50% · 4.625%
HK$55,267
+HK$3,170/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$104,194/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,538
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$56,000
−HK$1,484/mo
Today · 4.125%
HK$57,484
baseline
▲ 0.50% · 4.625%
HK$60,514
+HK$3,030/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$114,968/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,193
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,973
−HK$1,807/mo
Today · 4.125%
HK$60,780
baseline
▲ 0.50% · 4.625%
HK$64,478
+HK$3,698/mo
Deposit HK$5.37M · loan HK$12.54M · min. income ≈ HK$121,560/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$671,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,627
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,334
−HK$1,731/mo
Today · 4.125%
HK$67,065
baseline
▲ 0.50% · 4.625%
HK$70,600
+HK$3,535/mo
Deposit HK$5.37M · loan HK$12.54M · min. income ≈ HK$134,130/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$671,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,534
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$75,822
−HK$2,324/mo
Today · 4.125%
HK$78,146
baseline
▲ 0.50% · 4.625%
HK$82,901
+HK$4,755/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$156,292/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,841 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,806
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$84,000
−HK$2,226/mo
Today · 4.125%
HK$86,226
baseline
▲ 0.50% · 4.625%
HK$90,771
+HK$4,545/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$172,452/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,841 · Scale 2, in force from 26 Feb 2026)