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$40,901
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,174
−HK$1,292/mo
Today · 4.125%
HK$43,466
baseline
▲ 0.50% · 4.625%
HK$46,111
+HK$2,645/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,932/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,502
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,723
−HK$1,238/mo
Today · 4.125%
HK$47,961
baseline
▲ 0.50% · 4.625%
HK$50,489
+HK$2,528/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,922/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,082
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$50,608
−HK$1,552/mo
Today · 4.125%
HK$52,160
baseline
▲ 0.50% · 4.625%
HK$55,333
+HK$3,173/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$104,320/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,603
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,067
−HK$1,486/mo
Today · 4.125%
HK$57,553
baseline
▲ 0.50% · 4.625%
HK$60,587
+HK$3,034/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$115,106/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,262
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,043
−HK$1,810/mo
Today · 4.125%
HK$60,853
baseline
▲ 0.50% · 4.625%
HK$64,556
+HK$3,703/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$121,706/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,703
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,412
−HK$1,733/mo
Today · 4.125%
HK$67,145
baseline
▲ 0.50% · 4.625%
HK$70,684
+HK$3,539/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$134,290/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,623
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$75,913
−HK$2,326/mo
Today · 4.125%
HK$78,239
baseline
▲ 0.50% · 4.625%
HK$83,000
+HK$4,761/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$156,478/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,646 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,904
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,101
−HK$2,228/mo
Today · 4.125%
HK$86,329
baseline
▲ 0.50% · 4.625%
HK$90,880
+HK$4,551/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$172,658/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,646 · Scale 2, in force from 26 Feb 2026)