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$40,844
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,115
−HK$1,291/mo
Today · 4.125%
HK$43,406
baseline
▲ 0.50% · 4.625%
HK$46,047
+HK$2,641/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,812/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,439
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,658
−HK$1,236/mo
Today · 4.125%
HK$47,894
baseline
▲ 0.50% · 4.625%
HK$50,418
+HK$2,524/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,788/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,013
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$50,538
−HK$1,549/mo
Today · 4.125%
HK$52,087
baseline
▲ 0.50% · 4.625%
HK$55,256
+HK$3,169/mo
Deposit HK$7.16M · loan HK$10.75M · min. income ≈ HK$104,174/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,527
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$55,989
−HK$1,484/mo
Today · 4.125%
HK$57,473
baseline
▲ 0.50% · 4.625%
HK$60,502
+HK$3,029/mo
Deposit HK$7.16M · loan HK$10.75M · min. income ≈ HK$114,946/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,182
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,961
−HK$1,807/mo
Today · 4.125%
HK$60,768
baseline
▲ 0.50% · 4.625%
HK$64,465
+HK$3,697/mo
Deposit HK$5.37M · loan HK$12.54M · min. income ≈ HK$121,536/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$671,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,614
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$65,321
−HK$1,730/mo
Today · 4.125%
HK$67,051
baseline
▲ 0.50% · 4.625%
HK$70,586
+HK$3,535/mo
Deposit HK$5.37M · loan HK$12.54M · min. income ≈ HK$134,102/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$671,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,520
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$75,807
−HK$2,323/mo
Today · 4.125%
HK$78,130
baseline
▲ 0.50% · 4.625%
HK$82,884
+HK$4,754/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$156,260/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,790
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$83,984
−HK$2,225/mo
Today · 4.125%
HK$86,209
baseline
▲ 0.50% · 4.625%
HK$90,753
+HK$4,544/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$172,418/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,707 · Scale 2, in force from 26 Feb 2026)