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$40,861
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,132
−HK$1,291/mo
Today · 4.125%
HK$43,423
baseline
▲ 0.50% · 4.625%
HK$46,065
+HK$2,642/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,846/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,457
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,676
−HK$1,237/mo
Today · 4.125%
HK$47,913
baseline
▲ 0.50% · 4.625%
HK$50,439
+HK$2,526/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,826/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,033
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,558
−HK$1,550/mo
Today · 4.125%
HK$52,108
baseline
▲ 0.50% · 4.625%
HK$55,278
+HK$3,170/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$104,216/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,549
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$56,012
−HK$1,484/mo
Today · 4.125%
HK$57,496
baseline
▲ 0.50% · 4.625%
HK$60,526
+HK$3,030/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$114,992/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,205
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,984
−HK$1,808/mo
Today · 4.125%
HK$60,792
baseline
▲ 0.50% · 4.625%
HK$64,491
+HK$3,699/mo
Deposit HK$5.38M · loan HK$12.54M · min. income ≈ HK$121,584/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$671,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,640
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,347
−HK$1,731/mo
Today · 4.125%
HK$67,078
baseline
▲ 0.50% · 4.625%
HK$70,614
+HK$3,536/mo
Deposit HK$5.38M · loan HK$12.54M · min. income ≈ HK$134,156/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$671,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,549
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$75,837
−HK$2,325/mo
Today · 4.125%
HK$78,162
baseline
▲ 0.50% · 4.625%
HK$82,918
+HK$4,756/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$156,324/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,823
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$84,017
−HK$2,227/mo
Today · 4.125%
HK$86,244
baseline
▲ 0.50% · 4.625%
HK$90,790
+HK$4,546/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$172,488/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,977 · Scale 2, in force from 26 Feb 2026)