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$40,906
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,179
−HK$1,292/mo
Today · 4.125%
HK$43,471
baseline
▲ 0.50% · 4.625%
HK$46,116
+HK$2,645/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,942/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,508
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,728
−HK$1,238/mo
Today · 4.125%
HK$47,966
baseline
▲ 0.50% · 4.625%
HK$50,495
+HK$2,529/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,932/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,087
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,614
−HK$1,552/mo
Today · 4.125%
HK$52,166
baseline
▲ 0.50% · 4.625%
HK$55,340
+HK$3,174/mo
Deposit HK$7.18M · loan HK$10.76M · min. income ≈ HK$104,332/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,609
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,074
−HK$1,486/mo
Today · 4.125%
HK$57,560
baseline
▲ 0.50% · 4.625%
HK$60,594
+HK$3,034/mo
Deposit HK$7.18M · loan HK$10.76M · min. income ≈ HK$115,120/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,269
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,050
−HK$1,810/mo
Today · 4.125%
HK$60,860
baseline
▲ 0.50% · 4.625%
HK$64,563
+HK$3,703/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$121,720/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,711
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,419
−HK$1,734/mo
Today · 4.125%
HK$67,153
baseline
▲ 0.50% · 4.625%
HK$70,693
+HK$3,540/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$134,306/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,631
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$75,921
−HK$2,327/mo
Today · 4.125%
HK$78,248
baseline
▲ 0.50% · 4.625%
HK$83,010
+HK$4,762/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$156,496/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,914
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,111
−HK$2,228/mo
Today · 4.125%
HK$86,339
baseline
▲ 0.50% · 4.625%
HK$90,890
+HK$4,551/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$172,678/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,723 · Scale 2, in force from 26 Feb 2026)