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$40,877
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,149
−HK$1,292/mo
Today · 4.125%
HK$43,441
baseline
▲ 0.50% · 4.625%
HK$46,084
+HK$2,643/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,882/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,475
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,695
−HK$1,237/mo
Today · 4.125%
HK$47,932
baseline
▲ 0.50% · 4.625%
HK$50,459
+HK$2,527/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,864/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,053
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,578
−HK$1,551/mo
Today · 4.125%
HK$52,129
baseline
▲ 0.50% · 4.625%
HK$55,301
+HK$3,172/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$104,258/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,571
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,034
−HK$1,485/mo
Today · 4.125%
HK$57,519
baseline
▲ 0.50% · 4.625%
HK$60,551
+HK$3,032/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$115,038/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,228
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,008
−HK$1,809/mo
Today · 4.125%
HK$60,817
baseline
▲ 0.50% · 4.625%
HK$64,517
+HK$3,700/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$121,634/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,666
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,373
−HK$1,732/mo
Today · 4.125%
HK$67,105
baseline
▲ 0.50% · 4.625%
HK$70,643
+HK$3,538/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$134,210/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,579
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$75,868
−HK$2,325/mo
Today · 4.125%
HK$78,193
baseline
▲ 0.50% · 4.625%
HK$82,951
+HK$4,758/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$156,386/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$672,247 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,856
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$84,051
−HK$2,227/mo
Today · 4.125%
HK$86,278
baseline
▲ 0.50% · 4.625%
HK$90,826
+HK$4,548/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$172,556/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$672,247 · Scale 2, in force from 26 Feb 2026)