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$40,860
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,131
−HK$1,291/mo
Today · 4.125%
HK$43,422
baseline
▲ 0.50% · 4.625%
HK$46,064
+HK$2,642/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,844/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,456
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,675
−HK$1,237/mo
Today · 4.125%
HK$47,912
baseline
▲ 0.50% · 4.625%
HK$50,438
+HK$2,526/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,824/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,032
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,557
−HK$1,550/mo
Today · 4.125%
HK$52,107
baseline
▲ 0.50% · 4.625%
HK$55,277
+HK$3,170/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$104,214/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,548
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$56,011
−HK$1,484/mo
Today · 4.125%
HK$57,495
baseline
▲ 0.50% · 4.625%
HK$60,525
+HK$3,030/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$114,990/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,204
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,983
−HK$1,808/mo
Today · 4.125%
HK$60,791
baseline
▲ 0.50% · 4.625%
HK$64,490
+HK$3,699/mo
Deposit HK$5.38M · loan HK$12.54M · min. income ≈ HK$121,582/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$671,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,639
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,346
−HK$1,731/mo
Today · 4.125%
HK$67,077
baseline
▲ 0.50% · 4.625%
HK$70,613
+HK$3,536/mo
Deposit HK$5.38M · loan HK$12.54M · min. income ≈ HK$134,154/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$671,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,548
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$75,836
−HK$2,324/mo
Today · 4.125%
HK$78,160
baseline
▲ 0.50% · 4.625%
HK$82,916
+HK$4,756/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$156,320/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,964 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,821
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$84,016
−HK$2,226/mo
Today · 4.125%
HK$86,242
baseline
▲ 0.50% · 4.625%
HK$90,788
+HK$4,546/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$172,484/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,964 · Scale 2, in force from 26 Feb 2026)