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$40,945
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,218
−HK$1,294/mo
Today · 4.125%
HK$43,512
baseline
▲ 0.50% · 4.625%
HK$46,160
+HK$2,648/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$87,024/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,551
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,772
−HK$1,240/mo
Today · 4.125%
HK$48,012
baseline
▲ 0.50% · 4.625%
HK$50,542
+HK$2,530/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$96,024/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,134
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$50,662
−HK$1,553/mo
Today · 4.125%
HK$52,215
baseline
▲ 0.50% · 4.625%
HK$55,392
+HK$3,177/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$104,430/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,661
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,127
−HK$1,487/mo
Today · 4.125%
HK$57,614
baseline
▲ 0.50% · 4.625%
HK$60,651
+HK$3,037/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$115,228/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,323
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$59,106
−HK$1,811/mo
Today · 4.125%
HK$60,917
baseline
▲ 0.50% · 4.625%
HK$64,624
+HK$3,707/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$121,834/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,771
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$65,481
−HK$1,735/mo
Today · 4.125%
HK$67,216
baseline
▲ 0.50% · 4.625%
HK$70,759
+HK$3,543/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$134,432/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,701
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$75,993
−HK$2,329/mo
Today · 4.125%
HK$78,322
baseline
▲ 0.50% · 4.625%
HK$83,088
+HK$4,766/mo
Deposit HK$1.80M · loan HK$16.16M · min. income ≈ HK$156,644/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,991
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$84,190
−HK$2,231/mo
Today · 4.125%
HK$86,421
baseline
▲ 0.50% · 4.625%
HK$90,976
+HK$4,555/mo
Deposit HK$1.80M · loan HK$16.16M · min. income ≈ HK$172,842/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,359 · Scale 2, in force from 26 Feb 2026)