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$40,879
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,151
−HK$1,292/mo
Today · 4.125%
HK$43,443
baseline
▲ 0.50% · 4.625%
HK$46,086
+HK$2,643/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,886/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,478
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,698
−HK$1,237/mo
Today · 4.125%
HK$47,935
baseline
▲ 0.50% · 4.625%
HK$50,462
+HK$2,527/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,870/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,055
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,581
−HK$1,550/mo
Today · 4.125%
HK$52,131
baseline
▲ 0.50% · 4.625%
HK$55,303
+HK$3,172/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$104,262/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,573
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,037
−HK$1,485/mo
Today · 4.125%
HK$57,522
baseline
▲ 0.50% · 4.625%
HK$60,554
+HK$3,032/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$115,044/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,231
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,011
−HK$1,809/mo
Today · 4.125%
HK$60,820
baseline
▲ 0.50% · 4.625%
HK$64,521
+HK$3,701/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$121,640/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,669
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,377
−HK$1,732/mo
Today · 4.125%
HK$67,109
baseline
▲ 0.50% · 4.625%
HK$70,646
+HK$3,537/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$134,218/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,583
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$75,872
−HK$2,325/mo
Today · 4.125%
HK$78,197
baseline
▲ 0.50% · 4.625%
HK$82,955
+HK$4,758/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$156,394/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,283 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,860
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,056
−HK$2,227/mo
Today · 4.125%
HK$86,283
baseline
▲ 0.50% · 4.625%
HK$90,831
+HK$4,548/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$172,566/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,283 · Scale 2, in force from 26 Feb 2026)