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$40,944
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,217
−HK$1,294/mo
Today · 4.125%
HK$43,511
baseline
▲ 0.50% · 4.625%
HK$46,159
+HK$2,648/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$87,022/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,549
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,771
−HK$1,239/mo
Today · 4.125%
HK$48,010
baseline
▲ 0.50% · 4.625%
HK$50,541
+HK$2,531/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$96,020/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,132
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$50,661
−HK$1,552/mo
Today · 4.125%
HK$52,213
baseline
▲ 0.50% · 4.625%
HK$55,390
+HK$3,177/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$104,426/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,659
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,125
−HK$1,487/mo
Today · 4.125%
HK$57,612
baseline
▲ 0.50% · 4.625%
HK$60,649
+HK$3,037/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$115,224/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,321
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,104
−HK$1,812/mo
Today · 4.125%
HK$60,916
baseline
▲ 0.50% · 4.625%
HK$64,622
+HK$3,706/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$121,832/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,769
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$65,479
−HK$1,735/mo
Today · 4.125%
HK$67,214
baseline
▲ 0.50% · 4.625%
HK$70,757
+HK$3,543/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$134,428/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,699
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$75,991
−HK$2,329/mo
Today · 4.125%
HK$78,320
baseline
▲ 0.50% · 4.625%
HK$83,086
+HK$4,766/mo
Deposit HK$1.80M · loan HK$16.16M · min. income ≈ HK$156,640/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,989
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$84,188
−HK$2,231/mo
Today · 4.125%
HK$86,419
baseline
▲ 0.50% · 4.625%
HK$90,974
+HK$4,555/mo
Deposit HK$1.80M · loan HK$16.16M · min. income ≈ HK$172,838/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,340 · Scale 2, in force from 26 Feb 2026)