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$40,941
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,214
−HK$1,294/mo
Today · 4.125%
HK$43,508
baseline
▲ 0.50% · 4.625%
HK$46,156
+HK$2,648/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$87,016/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,546
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,768
−HK$1,239/mo
Today · 4.125%
HK$48,007
baseline
▲ 0.50% · 4.625%
HK$50,538
+HK$2,531/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$96,014/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,129
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$50,657
−HK$1,553/mo
Today · 4.125%
HK$52,210
baseline
▲ 0.50% · 4.625%
HK$55,387
+HK$3,177/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$104,420/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,656
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,121
−HK$1,487/mo
Today · 4.125%
HK$57,608
baseline
▲ 0.50% · 4.625%
HK$60,645
+HK$3,037/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$115,216/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,317
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,100
−HK$1,812/mo
Today · 4.125%
HK$60,912
baseline
▲ 0.50% · 4.625%
HK$64,618
+HK$3,706/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$121,824/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,765
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$65,475
−HK$1,735/mo
Today · 4.125%
HK$67,210
baseline
▲ 0.50% · 4.625%
HK$70,753
+HK$3,543/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$134,420/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,694
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$75,986
−HK$2,329/mo
Today · 4.125%
HK$78,315
baseline
▲ 0.50% · 4.625%
HK$83,080
+HK$4,765/mo
Deposit HK$1.80M · loan HK$16.16M · min. income ≈ HK$156,630/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,295 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,983
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$84,182
−HK$2,231/mo
Today · 4.125%
HK$86,413
baseline
▲ 0.50% · 4.625%
HK$90,968
+HK$4,555/mo
Deposit HK$1.80M · loan HK$16.16M · min. income ≈ HK$172,826/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,295 · Scale 2, in force from 26 Feb 2026)