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$40,849
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,119
−HK$1,291/mo
Today · 4.125%
HK$43,410
baseline
▲ 0.50% · 4.625%
HK$46,052
+HK$2,642/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,820/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,444
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,663
−HK$1,236/mo
Today · 4.125%
HK$47,899
baseline
▲ 0.50% · 4.625%
HK$50,424
+HK$2,525/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,798/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,019
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,543
−HK$1,549/mo
Today · 4.125%
HK$52,092
baseline
▲ 0.50% · 4.625%
HK$55,262
+HK$3,170/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$104,184/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,533
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$55,995
−HK$1,484/mo
Today · 4.125%
HK$57,479
baseline
▲ 0.50% · 4.625%
HK$60,509
+HK$3,030/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$114,958/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,188
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,967
−HK$1,808/mo
Today · 4.125%
HK$60,775
baseline
▲ 0.50% · 4.625%
HK$64,472
+HK$3,697/mo
Deposit HK$5.37M · loan HK$12.54M · min. income ≈ HK$121,550/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$671,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,621
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,328
−HK$1,731/mo
Today · 4.125%
HK$67,059
baseline
▲ 0.50% · 4.625%
HK$70,593
+HK$3,534/mo
Deposit HK$5.37M · loan HK$12.54M · min. income ≈ HK$134,118/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$671,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,528
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$75,815
−HK$2,324/mo
Today · 4.125%
HK$78,139
baseline
▲ 0.50% · 4.625%
HK$82,893
+HK$4,754/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$156,278/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,780 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,799
−HK$4,419/mo
▼ 0.25% · 3.875%
HK$83,993
−HK$2,225/mo
Today · 4.125%
HK$86,218
baseline
▲ 0.50% · 4.625%
HK$90,763
+HK$4,545/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$172,436/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,780 · Scale 2, in force from 26 Feb 2026)