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$40,892
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,164
−HK$1,292/mo
Today · 4.125%
HK$43,456
baseline
▲ 0.50% · 4.625%
HK$46,100
+HK$2,644/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,912/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,492
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,712
−HK$1,237/mo
Today · 4.125%
HK$47,949
baseline
▲ 0.50% · 4.625%
HK$50,477
+HK$2,528/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,898/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,070
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,596
−HK$1,551/mo
Today · 4.125%
HK$52,147
baseline
▲ 0.50% · 4.625%
HK$55,320
+HK$3,173/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$104,294/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,590
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,054
−HK$1,485/mo
Today · 4.125%
HK$57,539
baseline
▲ 0.50% · 4.625%
HK$60,572
+HK$3,033/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$115,078/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,248
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,029
−HK$1,809/mo
Today · 4.125%
HK$60,838
baseline
▲ 0.50% · 4.625%
HK$64,540
+HK$3,702/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$121,676/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,688
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,396
−HK$1,733/mo
Today · 4.125%
HK$67,129
baseline
▲ 0.50% · 4.625%
HK$70,667
+HK$3,538/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$134,258/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,605
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$75,894
−HK$2,327/mo
Today · 4.125%
HK$78,221
baseline
▲ 0.50% · 4.625%
HK$82,980
+HK$4,759/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$156,442/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,485 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,885
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$84,081
−HK$2,228/mo
Today · 4.125%
HK$86,309
baseline
▲ 0.50% · 4.625%
HK$90,858
+HK$4,549/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$172,618/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,485 · Scale 2, in force from 26 Feb 2026)