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$40,909
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,182
−HK$1,293/mo
Today · 4.125%
HK$43,475
baseline
▲ 0.50% · 4.625%
HK$46,120
+HK$2,645/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,950/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,511
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,732
−HK$1,238/mo
Today · 4.125%
HK$47,970
baseline
▲ 0.50% · 4.625%
HK$50,499
+HK$2,529/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,940/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,091
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,618
−HK$1,552/mo
Today · 4.125%
HK$52,170
baseline
▲ 0.50% · 4.625%
HK$55,344
+HK$3,174/mo
Deposit HK$7.18M · loan HK$10.76M · min. income ≈ HK$104,340/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,614
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,078
−HK$1,486/mo
Today · 4.125%
HK$57,564
baseline
▲ 0.50% · 4.625%
HK$60,599
+HK$3,035/mo
Deposit HK$7.18M · loan HK$10.76M · min. income ≈ HK$115,128/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,273
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$59,055
−HK$1,810/mo
Today · 4.125%
HK$60,865
baseline
▲ 0.50% · 4.625%
HK$64,568
+HK$3,703/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$121,730/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,716
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,425
−HK$1,733/mo
Today · 4.125%
HK$67,158
baseline
▲ 0.50% · 4.625%
HK$70,698
+HK$3,540/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$134,316/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,637
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$75,928
−HK$2,327/mo
Today · 4.125%
HK$78,255
baseline
▲ 0.50% · 4.625%
HK$83,016
+HK$4,761/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$156,510/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,778 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,920
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$84,117
−HK$2,229/mo
Today · 4.125%
HK$86,346
baseline
▲ 0.50% · 4.625%
HK$90,898
+HK$4,552/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$172,692/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,778 · Scale 2, in force from 26 Feb 2026)