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$40,845
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,116
−HK$1,291/mo
Today · 4.125%
HK$43,407
baseline
▲ 0.50% · 4.625%
HK$46,048
+HK$2,641/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,814/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,440
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,659
−HK$1,236/mo
Today · 4.125%
HK$47,895
baseline
▲ 0.50% · 4.625%
HK$50,419
+HK$2,524/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,790/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,014
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$50,539
−HK$1,549/mo
Today · 4.125%
HK$52,088
baseline
▲ 0.50% · 4.625%
HK$55,257
+HK$3,169/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$104,176/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,528
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$55,990
−HK$1,484/mo
Today · 4.125%
HK$57,474
baseline
▲ 0.50% · 4.625%
HK$60,503
+HK$3,029/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$114,948/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,183
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,962
−HK$1,807/mo
Today · 4.125%
HK$60,769
baseline
▲ 0.50% · 4.625%
HK$64,467
+HK$3,698/mo
Deposit HK$5.37M · loan HK$12.54M · min. income ≈ HK$121,538/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$671,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,616
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$65,322
−HK$1,731/mo
Today · 4.125%
HK$67,053
baseline
▲ 0.50% · 4.625%
HK$70,587
+HK$3,534/mo
Deposit HK$5.37M · loan HK$12.54M · min. income ≈ HK$134,106/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$671,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,521
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$75,808
−HK$2,324/mo
Today · 4.125%
HK$78,132
baseline
▲ 0.50% · 4.625%
HK$82,886
+HK$4,754/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$156,264/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,792
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$83,985
−HK$2,226/mo
Today · 4.125%
HK$86,211
baseline
▲ 0.50% · 4.625%
HK$90,755
+HK$4,544/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$172,422/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,721 · Scale 2, in force from 26 Feb 2026)