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$40,858
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,129
−HK$1,291/mo
Today · 4.125%
HK$43,420
baseline
▲ 0.50% · 4.625%
HK$46,062
+HK$2,642/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,840/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,454
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,673
−HK$1,237/mo
Today · 4.125%
HK$47,910
baseline
▲ 0.50% · 4.625%
HK$50,436
+HK$2,526/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,820/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,030
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$50,555
−HK$1,549/mo
Today · 4.125%
HK$52,104
baseline
▲ 0.50% · 4.625%
HK$55,275
+HK$3,171/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$104,208/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,545
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$56,008
−HK$1,484/mo
Today · 4.125%
HK$57,492
baseline
▲ 0.50% · 4.625%
HK$60,523
+HK$3,031/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$114,984/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,201
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$58,981
−HK$1,808/mo
Today · 4.125%
HK$60,789
baseline
▲ 0.50% · 4.625%
HK$64,487
+HK$3,698/mo
Deposit HK$5.38M · loan HK$12.54M · min. income ≈ HK$121,578/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$671,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,636
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,343
−HK$1,731/mo
Today · 4.125%
HK$67,074
baseline
▲ 0.50% · 4.625%
HK$70,610
+HK$3,536/mo
Deposit HK$5.38M · loan HK$12.54M · min. income ≈ HK$134,148/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$671,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,545
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$75,832
−HK$2,325/mo
Today · 4.125%
HK$78,157
baseline
▲ 0.50% · 4.625%
HK$82,912
+HK$4,755/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$156,314/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,935 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,818
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$84,012
−HK$2,226/mo
Today · 4.125%
HK$86,238
baseline
▲ 0.50% · 4.625%
HK$90,784
+HK$4,546/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$172,476/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,935 · Scale 2, in force from 26 Feb 2026)