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$40,911
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,183
−HK$1,293/mo
Today · 4.125%
HK$43,476
baseline
▲ 0.50% · 4.625%
HK$46,121
+HK$2,645/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,952/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,513
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,733
−HK$1,238/mo
Today · 4.125%
HK$47,971
baseline
▲ 0.50% · 4.625%
HK$50,500
+HK$2,529/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,942/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,093
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$50,620
−HK$1,551/mo
Today · 4.125%
HK$52,171
baseline
▲ 0.50% · 4.625%
HK$55,346
+HK$3,175/mo
Deposit HK$7.18M · loan HK$10.76M · min. income ≈ HK$104,342/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,615
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,080
−HK$1,486/mo
Today · 4.125%
HK$57,566
baseline
▲ 0.50% · 4.625%
HK$60,600
+HK$3,034/mo
Deposit HK$7.18M · loan HK$10.76M · min. income ≈ HK$115,132/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,275
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,056
−HK$1,810/mo
Today · 4.125%
HK$60,866
baseline
▲ 0.50% · 4.625%
HK$64,570
+HK$3,704/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$121,732/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$672,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,718
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,426
−HK$1,734/mo
Today · 4.125%
HK$67,160
baseline
▲ 0.50% · 4.625%
HK$70,700
+HK$3,540/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$134,320/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$672,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,639
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$75,930
−HK$2,327/mo
Today · 4.125%
HK$78,257
baseline
▲ 0.50% · 4.625%
HK$83,019
+HK$4,762/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$156,514/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,796 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,923
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$84,120
−HK$2,229/mo
Today · 4.125%
HK$86,349
baseline
▲ 0.50% · 4.625%
HK$90,900
+HK$4,551/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$172,698/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,796 · Scale 2, in force from 26 Feb 2026)