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$40,884
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,155
−HK$1,292/mo
Today · 4.125%
HK$43,447
baseline
▲ 0.50% · 4.625%
HK$46,091
+HK$2,644/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,894/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,483
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,702
−HK$1,238/mo
Today · 4.125%
HK$47,940
baseline
▲ 0.50% · 4.625%
HK$50,467
+HK$2,527/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,880/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,060
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,586
−HK$1,551/mo
Today · 4.125%
HK$52,137
baseline
▲ 0.50% · 4.625%
HK$55,309
+HK$3,172/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$104,274/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,579
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,043
−HK$1,485/mo
Today · 4.125%
HK$57,528
baseline
▲ 0.50% · 4.625%
HK$60,560
+HK$3,032/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$115,056/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,237
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,017
−HK$1,809/mo
Today · 4.125%
HK$60,826
baseline
▲ 0.50% · 4.625%
HK$64,527
+HK$3,701/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$121,652/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,676
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,383
−HK$1,733/mo
Today · 4.125%
HK$67,116
baseline
▲ 0.50% · 4.625%
HK$70,653
+HK$3,537/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$134,232/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,590
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$75,879
−HK$2,326/mo
Today · 4.125%
HK$78,205
baseline
▲ 0.50% · 4.625%
HK$82,964
+HK$4,759/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$156,410/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,869
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,064
−HK$2,228/mo
Today · 4.125%
HK$86,292
baseline
▲ 0.50% · 4.625%
HK$90,840
+HK$4,548/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$172,584/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,351 · Scale 2, in force from 26 Feb 2026)