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$40,852
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,123
−HK$1,291/mo
Today · 4.125%
HK$43,414
baseline
▲ 0.50% · 4.625%
HK$46,055
+HK$2,641/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,828/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,447
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,666
−HK$1,237/mo
Today · 4.125%
HK$47,903
baseline
▲ 0.50% · 4.625%
HK$50,428
+HK$2,525/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,806/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,022
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$50,547
−HK$1,549/mo
Today · 4.125%
HK$52,096
baseline
▲ 0.50% · 4.625%
HK$55,266
+HK$3,170/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$104,192/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,537
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$55,999
−HK$1,484/mo
Today · 4.125%
HK$57,483
baseline
▲ 0.50% · 4.625%
HK$60,513
+HK$3,030/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$114,966/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,193
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,972
−HK$1,807/mo
Today · 4.125%
HK$60,779
baseline
▲ 0.50% · 4.625%
HK$64,477
+HK$3,698/mo
Deposit HK$5.37M · loan HK$12.54M · min. income ≈ HK$121,558/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$671,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,626
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,333
−HK$1,731/mo
Today · 4.125%
HK$67,064
baseline
▲ 0.50% · 4.625%
HK$70,599
+HK$3,535/mo
Deposit HK$5.37M · loan HK$12.54M · min. income ≈ HK$134,128/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$671,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,533
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$75,821
−HK$2,324/mo
Today · 4.125%
HK$78,145
baseline
▲ 0.50% · 4.625%
HK$82,899
+HK$4,754/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$156,290/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,831 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,805
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$83,999
−HK$2,226/mo
Today · 4.125%
HK$86,225
baseline
▲ 0.50% · 4.625%
HK$90,770
+HK$4,545/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$172,450/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,831 · Scale 2, in force from 26 Feb 2026)