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$40,929
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,202
−HK$1,294/mo
Today · 4.125%
HK$43,496
baseline
▲ 0.50% · 4.625%
HK$46,142
+HK$2,646/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,992/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,533
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$46,754
−HK$1,239/mo
Today · 4.125%
HK$47,993
baseline
▲ 0.50% · 4.625%
HK$50,523
+HK$2,530/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,986/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,115
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,643
−HK$1,552/mo
Today · 4.125%
HK$52,195
baseline
▲ 0.50% · 4.625%
HK$55,371
+HK$3,176/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$104,390/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$673,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,640
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,105
−HK$1,487/mo
Today · 4.125%
HK$57,592
baseline
▲ 0.50% · 4.625%
HK$60,628
+HK$3,036/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$115,184/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$673,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,301
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,083
−HK$1,811/mo
Today · 4.125%
HK$60,894
baseline
▲ 0.50% · 4.625%
HK$64,599
+HK$3,705/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$121,788/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,746
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$65,456
−HK$1,734/mo
Today · 4.125%
HK$67,190
baseline
▲ 0.50% · 4.625%
HK$70,732
+HK$3,542/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$134,380/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,672
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$75,964
−HK$2,328/mo
Today · 4.125%
HK$78,292
baseline
▲ 0.50% · 4.625%
HK$83,056
+HK$4,764/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$156,584/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,099 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,960
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$84,158
−HK$2,230/mo
Today · 4.125%
HK$86,388
baseline
▲ 0.50% · 4.625%
HK$90,941
+HK$4,553/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$172,776/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,099 · Scale 2, in force from 26 Feb 2026)