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$40,865
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,136
−HK$1,292/mo
Today · 4.125%
HK$43,428
baseline
▲ 0.50% · 4.625%
HK$46,070
+HK$2,642/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,856/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$672,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,462
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,681
−HK$1,237/mo
Today · 4.125%
HK$47,918
baseline
▲ 0.50% · 4.625%
HK$50,444
+HK$2,526/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,836/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$672,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,038
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,563
−HK$1,550/mo
Today · 4.125%
HK$52,113
baseline
▲ 0.50% · 4.625%
HK$55,284
+HK$3,171/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$104,226/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,554
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,017
−HK$1,485/mo
Today · 4.125%
HK$57,502
baseline
▲ 0.50% · 4.625%
HK$60,533
+HK$3,031/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$115,004/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,211
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$58,991
−HK$1,808/mo
Today · 4.125%
HK$60,799
baseline
▲ 0.50% · 4.625%
HK$64,498
+HK$3,699/mo
Deposit HK$5.38M · loan HK$12.54M · min. income ≈ HK$121,598/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,647
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,354
−HK$1,731/mo
Today · 4.125%
HK$67,085
baseline
▲ 0.50% · 4.625%
HK$70,621
+HK$3,536/mo
Deposit HK$5.38M · loan HK$12.54M · min. income ≈ HK$134,170/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,557
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$75,845
−HK$2,325/mo
Today · 4.125%
HK$78,170
baseline
▲ 0.50% · 4.625%
HK$82,926
+HK$4,756/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$156,340/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$672,046 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,831
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$84,026
−HK$2,226/mo
Today · 4.125%
HK$86,252
baseline
▲ 0.50% · 4.625%
HK$90,799
+HK$4,547/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$172,504/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$672,046 · Scale 2, in force from 26 Feb 2026)