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$40,945
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,219
−HK$1,294/mo
Today · 4.125%
HK$43,513
baseline
▲ 0.50% · 4.625%
HK$46,161
+HK$2,648/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$87,026/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,551
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,773
−HK$1,239/mo
Today · 4.125%
HK$48,012
baseline
▲ 0.50% · 4.625%
HK$50,543
+HK$2,531/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$96,024/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,135
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$50,663
−HK$1,553/mo
Today · 4.125%
HK$52,216
baseline
▲ 0.50% · 4.625%
HK$55,393
+HK$3,177/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$104,432/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,662
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,128
−HK$1,487/mo
Today · 4.125%
HK$57,615
baseline
▲ 0.50% · 4.625%
HK$60,652
+HK$3,037/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$115,230/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,324
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$59,107
−HK$1,811/mo
Today · 4.125%
HK$60,918
baseline
▲ 0.50% · 4.625%
HK$64,625
+HK$3,707/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$121,836/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,772
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$65,482
−HK$1,735/mo
Today · 4.125%
HK$67,217
baseline
▲ 0.50% · 4.625%
HK$70,760
+HK$3,543/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$134,434/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,702
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$75,994
−HK$2,330/mo
Today · 4.125%
HK$78,324
baseline
▲ 0.50% · 4.625%
HK$83,089
+HK$4,765/mo
Deposit HK$1.80M · loan HK$16.16M · min. income ≈ HK$156,648/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,993
−HK$4,429/mo
▼ 0.25% · 3.875%
HK$84,192
−HK$2,230/mo
Today · 4.125%
HK$86,422
baseline
▲ 0.50% · 4.625%
HK$90,978
+HK$4,556/mo
Deposit HK$1.80M · loan HK$16.16M · min. income ≈ HK$172,844/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,370 · Scale 2, in force from 26 Feb 2026)