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$40,969
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$42,244
−HK$1,294/mo
Today · 4.125%
HK$43,538
baseline
▲ 0.50% · 4.625%
HK$46,188
+HK$2,650/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$87,076/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$673,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,578
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,800
−HK$1,240/mo
Today · 4.125%
HK$48,040
baseline
▲ 0.50% · 4.625%
HK$50,573
+HK$2,533/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$96,080/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$673,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,163
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,692
−HK$1,554/mo
Today · 4.125%
HK$52,246
baseline
▲ 0.50% · 4.625%
HK$55,425
+HK$3,179/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$104,492/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,693
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$56,160
−HK$1,488/mo
Today · 4.125%
HK$57,648
baseline
▲ 0.50% · 4.625%
HK$60,687
+HK$3,039/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$115,296/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,357
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,141
−HK$1,813/mo
Today · 4.125%
HK$60,954
baseline
▲ 0.50% · 4.625%
HK$64,663
+HK$3,709/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$121,908/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,809
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$65,520
−HK$1,736/mo
Today · 4.125%
HK$67,256
baseline
▲ 0.50% · 4.625%
HK$70,802
+HK$3,546/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$134,512/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,745
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$76,039
−HK$2,330/mo
Today · 4.125%
HK$78,369
baseline
▲ 0.50% · 4.625%
HK$83,138
+HK$4,769/mo
Deposit HK$1.80M · loan HK$16.17M · min. income ≈ HK$156,738/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,761 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,040
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$84,240
−HK$2,233/mo
Today · 4.125%
HK$86,473
baseline
▲ 0.50% · 4.625%
HK$91,031
+HK$4,558/mo
Deposit HK$1.80M · loan HK$16.17M · min. income ≈ HK$172,946/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,761 · Scale 2, in force from 26 Feb 2026)