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$40,961
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,235
−HK$1,294/mo
Today · 4.125%
HK$43,529
baseline
▲ 0.50% · 4.625%
HK$46,178
+HK$2,649/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$87,058/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$673,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,568
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,790
−HK$1,240/mo
Today · 4.125%
HK$48,030
baseline
▲ 0.50% · 4.625%
HK$50,562
+HK$2,532/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$96,060/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$673,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,153
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$50,682
−HK$1,553/mo
Today · 4.125%
HK$52,235
baseline
▲ 0.50% · 4.625%
HK$55,413
+HK$3,178/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$104,470/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,682
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$56,149
−HK$1,487/mo
Today · 4.125%
HK$57,636
baseline
▲ 0.50% · 4.625%
HK$60,674
+HK$3,038/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$115,272/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,345
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$59,129
−HK$1,812/mo
Today · 4.125%
HK$60,941
baseline
▲ 0.50% · 4.625%
HK$64,649
+HK$3,708/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$121,882/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,796
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,507
−HK$1,735/mo
Today · 4.125%
HK$67,242
baseline
▲ 0.50% · 4.625%
HK$70,787
+HK$3,545/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$134,484/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,729
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$76,023
−HK$2,330/mo
Today · 4.125%
HK$78,353
baseline
▲ 0.50% · 4.625%
HK$83,120
+HK$4,767/mo
Deposit HK$1.80M · loan HK$16.17M · min. income ≈ HK$156,706/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,023
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$84,223
−HK$2,231/mo
Today · 4.125%
HK$86,454
baseline
▲ 0.50% · 4.625%
HK$91,012
+HK$4,558/mo
Deposit HK$1.80M · loan HK$16.17M · min. income ≈ HK$172,908/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,619 · Scale 2, in force from 26 Feb 2026)