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$40,894
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,166
−HK$1,293/mo
Today · 4.125%
HK$43,459
baseline
▲ 0.50% · 4.625%
HK$46,103
+HK$2,644/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,918/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,494
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,715
−HK$1,237/mo
Today · 4.125%
HK$47,952
baseline
▲ 0.50% · 4.625%
HK$50,480
+HK$2,528/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,904/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,073
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,600
−HK$1,550/mo
Today · 4.125%
HK$52,150
baseline
▲ 0.50% · 4.625%
HK$55,324
+HK$3,174/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$104,300/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,593
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,058
−HK$1,485/mo
Today · 4.125%
HK$57,543
baseline
▲ 0.50% · 4.625%
HK$60,576
+HK$3,033/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$115,086/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,252
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,033
−HK$1,809/mo
Today · 4.125%
HK$60,842
baseline
▲ 0.50% · 4.625%
HK$64,544
+HK$3,702/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$121,684/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,692
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,400
−HK$1,733/mo
Today · 4.125%
HK$67,133
baseline
▲ 0.50% · 4.625%
HK$70,672
+HK$3,539/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$134,266/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,610
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$75,899
−HK$2,327/mo
Today · 4.125%
HK$78,226
baseline
▲ 0.50% · 4.625%
HK$82,986
+HK$4,760/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$156,452/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,890
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$84,086
−HK$2,228/mo
Today · 4.125%
HK$86,314
baseline
▲ 0.50% · 4.625%
HK$90,864
+HK$4,550/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$172,628/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,528 · Scale 2, in force from 26 Feb 2026)