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$2,566/mo
▼ 0.25% · 3.875%
HK$42,184
−HK$1,293/mo
Today · 4.125%
HK$43,477
baseline
▲ 0.50% · 4.625%
HK$46,122
+HK$2,645/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,954/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,513
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,734
−HK$1,238/mo
Today · 4.125%
HK$47,972
baseline
▲ 0.50% · 4.625%
HK$50,501
+HK$2,529/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,944/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,093
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,621
−HK$1,551/mo
Today · 4.125%
HK$52,172
baseline
▲ 0.50% · 4.625%
HK$55,347
+HK$3,175/mo
Deposit HK$7.18M · loan HK$10.76M · min. income ≈ HK$104,344/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,616
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,081
−HK$1,486/mo
Today · 4.125%
HK$57,567
baseline
▲ 0.50% · 4.625%
HK$60,601
+HK$3,034/mo
Deposit HK$7.18M · loan HK$10.76M · min. income ≈ HK$115,134/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,276
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,057
−HK$1,810/mo
Today · 4.125%
HK$60,867
baseline
▲ 0.50% · 4.625%
HK$64,571
+HK$3,704/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$121,734/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$672,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,719
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,428
−HK$1,733/mo
Today · 4.125%
HK$67,161
baseline
▲ 0.50% · 4.625%
HK$70,701
+HK$3,540/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$134,322/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$672,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,640
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$75,931
−HK$2,327/mo
Today · 4.125%
HK$78,258
baseline
▲ 0.50% · 4.625%
HK$83,020
+HK$4,762/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$156,516/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,806 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,924
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$84,121
−HK$2,229/mo
Today · 4.125%
HK$86,350
baseline
▲ 0.50% · 4.625%
HK$90,902
+HK$4,552/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$172,700/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,806 · Scale 2, in force from 26 Feb 2026)