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$40,843
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,113
−HK$1,291/mo
Today · 4.125%
HK$43,404
baseline
▲ 0.50% · 4.625%
HK$46,045
+HK$2,641/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,808/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,437
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,656
−HK$1,236/mo
Today · 4.125%
HK$47,892
baseline
▲ 0.50% · 4.625%
HK$50,417
+HK$2,525/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,784/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,012
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,536
−HK$1,549/mo
Today · 4.125%
HK$52,085
baseline
▲ 0.50% · 4.625%
HK$55,254
+HK$3,169/mo
Deposit HK$7.16M · loan HK$10.75M · min. income ≈ HK$104,170/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,525
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$55,987
−HK$1,484/mo
Today · 4.125%
HK$57,471
baseline
▲ 0.50% · 4.625%
HK$60,500
+HK$3,029/mo
Deposit HK$7.16M · loan HK$10.75M · min. income ≈ HK$114,942/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,180
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,959
−HK$1,807/mo
Today · 4.125%
HK$60,766
baseline
▲ 0.50% · 4.625%
HK$64,463
+HK$3,697/mo
Deposit HK$5.37M · loan HK$12.54M · min. income ≈ HK$121,532/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$671,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,612
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$65,318
−HK$1,731/mo
Today · 4.125%
HK$67,049
baseline
▲ 0.50% · 4.625%
HK$70,583
+HK$3,534/mo
Deposit HK$5.37M · loan HK$12.54M · min. income ≈ HK$134,098/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$671,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,517
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$75,804
−HK$2,324/mo
Today · 4.125%
HK$78,128
baseline
▲ 0.50% · 4.625%
HK$82,881
+HK$4,753/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$156,256/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,685 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,787
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$83,981
−HK$2,225/mo
Today · 4.125%
HK$86,206
baseline
▲ 0.50% · 4.625%
HK$90,750
+HK$4,544/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$172,412/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,685 · Scale 2, in force from 26 Feb 2026)