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$40,937
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,210
−HK$1,294/mo
Today · 4.125%
HK$43,504
baseline
▲ 0.50% · 4.625%
HK$46,151
+HK$2,647/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$87,008/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,541
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,763
−HK$1,239/mo
Today · 4.125%
HK$48,002
baseline
▲ 0.50% · 4.625%
HK$50,532
+HK$2,530/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$96,004/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,124
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,652
−HK$1,552/mo
Today · 4.125%
HK$52,204
baseline
▲ 0.50% · 4.625%
HK$55,381
+HK$3,177/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$104,408/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$673,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,650
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,115
−HK$1,487/mo
Today · 4.125%
HK$57,602
baseline
▲ 0.50% · 4.625%
HK$60,639
+HK$3,037/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$115,204/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$673,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,311
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$59,094
−HK$1,811/mo
Today · 4.125%
HK$60,905
baseline
▲ 0.50% · 4.625%
HK$64,611
+HK$3,706/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$121,810/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,758
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$65,468
−HK$1,735/mo
Today · 4.125%
HK$67,203
baseline
▲ 0.50% · 4.625%
HK$70,745
+HK$3,542/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$134,406/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,686
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$75,978
−HK$2,328/mo
Today · 4.125%
HK$78,306
baseline
▲ 0.50% · 4.625%
HK$83,071
+HK$4,765/mo
Deposit HK$1.80M · loan HK$16.16M · min. income ≈ HK$156,612/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,223 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,975
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$84,173
−HK$2,230/mo
Today · 4.125%
HK$86,403
baseline
▲ 0.50% · 4.625%
HK$90,958
+HK$4,555/mo
Deposit HK$1.80M · loan HK$16.16M · min. income ≈ HK$172,806/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,223 · Scale 2, in force from 26 Feb 2026)