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$2,569/mo
▼ 0.25% · 3.875%
HK$42,231
−HK$1,295/mo
Today · 4.125%
HK$43,526
baseline
▲ 0.50% · 4.625%
HK$46,174
+HK$2,648/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$87,052/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,564
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,786
−HK$1,240/mo
Today · 4.125%
HK$48,026
baseline
▲ 0.50% · 4.625%
HK$50,558
+HK$2,532/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$96,052/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,149
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$50,677
−HK$1,554/mo
Today · 4.125%
HK$52,231
baseline
▲ 0.50% · 4.625%
HK$55,409
+HK$3,178/mo
Deposit HK$7.18M · loan HK$10.78M · min. income ≈ HK$104,462/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,677
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$56,144
−HK$1,487/mo
Today · 4.125%
HK$57,631
baseline
▲ 0.50% · 4.625%
HK$60,669
+HK$3,038/mo
Deposit HK$7.18M · loan HK$10.78M · min. income ≈ HK$115,262/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,340
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$59,124
−HK$1,812/mo
Today · 4.125%
HK$60,936
baseline
▲ 0.50% · 4.625%
HK$64,644
+HK$3,708/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$121,872/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,790
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$65,501
−HK$1,736/mo
Today · 4.125%
HK$67,237
baseline
▲ 0.50% · 4.625%
HK$70,781
+HK$3,544/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$134,474/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,723
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$76,016
−HK$2,330/mo
Today · 4.125%
HK$78,346
baseline
▲ 0.50% · 4.625%
HK$83,113
+HK$4,767/mo
Deposit HK$1.80M · loan HK$16.17M · min. income ≈ HK$156,692/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,016
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$84,216
−HK$2,231/mo
Today · 4.125%
HK$86,447
baseline
▲ 0.50% · 4.625%
HK$91,004
+HK$4,557/mo
Deposit HK$1.80M · loan HK$16.17M · min. income ≈ HK$172,894/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,562 · Scale 2, in force from 26 Feb 2026)