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$40,888
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,160
−HK$1,292/mo
Today · 4.125%
HK$43,452
baseline
▲ 0.50% · 4.625%
HK$46,096
+HK$2,644/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,904/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,487
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,707
−HK$1,238/mo
Today · 4.125%
HK$47,945
baseline
▲ 0.50% · 4.625%
HK$50,472
+HK$2,527/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,890/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,066
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,592
−HK$1,550/mo
Today · 4.125%
HK$52,142
baseline
▲ 0.50% · 4.625%
HK$55,315
+HK$3,173/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$104,284/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,585
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,049
−HK$1,485/mo
Today · 4.125%
HK$57,534
baseline
▲ 0.50% · 4.625%
HK$60,567
+HK$3,033/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$115,068/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,243
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,024
−HK$1,809/mo
Today · 4.125%
HK$60,833
baseline
▲ 0.50% · 4.625%
HK$64,534
+HK$3,701/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$121,666/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,682
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,390
−HK$1,733/mo
Today · 4.125%
HK$67,123
baseline
▲ 0.50% · 4.625%
HK$70,661
+HK$3,538/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$134,246/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,598
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$75,888
−HK$2,326/mo
Today · 4.125%
HK$78,214
baseline
▲ 0.50% · 4.625%
HK$82,973
+HK$4,759/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$156,428/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,877
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$84,073
−HK$2,228/mo
Today · 4.125%
HK$86,301
baseline
▲ 0.50% · 4.625%
HK$90,850
+HK$4,549/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$172,602/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,424 · Scale 2, in force from 26 Feb 2026)