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$40,900
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,173
−HK$1,292/mo
Today · 4.125%
HK$43,465
baseline
▲ 0.50% · 4.625%
HK$46,110
+HK$2,645/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,930/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,501
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,722
−HK$1,238/mo
Today · 4.125%
HK$47,960
baseline
▲ 0.50% · 4.625%
HK$50,488
+HK$2,528/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,920/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,081
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,607
−HK$1,551/mo
Today · 4.125%
HK$52,158
baseline
▲ 0.50% · 4.625%
HK$55,332
+HK$3,174/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$104,316/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,602
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,066
−HK$1,486/mo
Today · 4.125%
HK$57,552
baseline
▲ 0.50% · 4.625%
HK$60,585
+HK$3,033/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$115,104/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,261
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,042
−HK$1,809/mo
Today · 4.125%
HK$60,851
baseline
▲ 0.50% · 4.625%
HK$64,554
+HK$3,703/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$121,702/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,702
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,410
−HK$1,734/mo
Today · 4.125%
HK$67,144
baseline
▲ 0.50% · 4.625%
HK$70,683
+HK$3,539/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$134,288/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,621
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$75,911
−HK$2,327/mo
Today · 4.125%
HK$78,238
baseline
▲ 0.50% · 4.625%
HK$82,998
+HK$4,760/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$156,476/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,902
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,099
−HK$2,228/mo
Today · 4.125%
HK$86,327
baseline
▲ 0.50% · 4.625%
HK$90,878
+HK$4,551/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$172,654/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,630 · Scale 2, in force from 26 Feb 2026)