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$40,893
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,165
−HK$1,293/mo
Today · 4.125%
HK$43,458
baseline
▲ 0.50% · 4.625%
HK$46,102
+HK$2,644/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,916/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,493
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,713
−HK$1,238/mo
Today · 4.125%
HK$47,951
baseline
▲ 0.50% · 4.625%
HK$50,479
+HK$2,528/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,902/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,072
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,598
−HK$1,551/mo
Today · 4.125%
HK$52,149
baseline
▲ 0.50% · 4.625%
HK$55,322
+HK$3,173/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$104,298/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,592
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,056
−HK$1,485/mo
Today · 4.125%
HK$57,541
baseline
▲ 0.50% · 4.625%
HK$60,574
+HK$3,033/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$115,082/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,250
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,031
−HK$1,810/mo
Today · 4.125%
HK$60,841
baseline
▲ 0.50% · 4.625%
HK$64,543
+HK$3,702/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$121,682/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,691
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,399
−HK$1,733/mo
Today · 4.125%
HK$67,132
baseline
▲ 0.50% · 4.625%
HK$70,670
+HK$3,538/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$134,264/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,608
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$75,897
−HK$2,327/mo
Today · 4.125%
HK$78,224
baseline
▲ 0.50% · 4.625%
HK$82,983
+HK$4,759/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$156,448/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,888
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$84,084
−HK$2,228/mo
Today · 4.125%
HK$86,312
baseline
▲ 0.50% · 4.625%
HK$90,862
+HK$4,550/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$172,624/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,510 · Scale 2, in force from 26 Feb 2026)