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$40,844
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,114
−HK$1,291/mo
Today · 4.125%
HK$43,405
baseline
▲ 0.50% · 4.625%
HK$46,046
+HK$2,641/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,810/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,438
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,657
−HK$1,236/mo
Today · 4.125%
HK$47,893
baseline
▲ 0.50% · 4.625%
HK$50,418
+HK$2,525/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,786/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,013
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,537
−HK$1,549/mo
Today · 4.125%
HK$52,086
baseline
▲ 0.50% · 4.625%
HK$55,255
+HK$3,169/mo
Deposit HK$7.16M · loan HK$10.75M · min. income ≈ HK$104,172/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,526
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$55,988
−HK$1,484/mo
Today · 4.125%
HK$57,472
baseline
▲ 0.50% · 4.625%
HK$60,501
+HK$3,029/mo
Deposit HK$7.16M · loan HK$10.75M · min. income ≈ HK$114,944/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,181
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,960
−HK$1,807/mo
Today · 4.125%
HK$60,767
baseline
▲ 0.50% · 4.625%
HK$64,465
+HK$3,698/mo
Deposit HK$5.37M · loan HK$12.54M · min. income ≈ HK$121,534/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$671,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,614
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,320
−HK$1,730/mo
Today · 4.125%
HK$67,050
baseline
▲ 0.50% · 4.625%
HK$70,585
+HK$3,535/mo
Deposit HK$5.37M · loan HK$12.54M · min. income ≈ HK$134,100/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$671,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,519
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$75,806
−HK$2,323/mo
Today · 4.125%
HK$78,129
baseline
▲ 0.50% · 4.625%
HK$82,883
+HK$4,754/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$156,258/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,789
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$83,983
−HK$2,225/mo
Today · 4.125%
HK$86,208
baseline
▲ 0.50% · 4.625%
HK$90,752
+HK$4,544/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$172,416/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,698 · Scale 2, in force from 26 Feb 2026)