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$40,963
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,237
−HK$1,294/mo
Today · 4.125%
HK$43,531
baseline
▲ 0.50% · 4.625%
HK$46,180
+HK$2,649/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$87,062/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$673,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,571
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,793
−HK$1,240/mo
Today · 4.125%
HK$48,033
baseline
▲ 0.50% · 4.625%
HK$50,564
+HK$2,531/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$96,066/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$673,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,155
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,684
−HK$1,554/mo
Today · 4.125%
HK$52,238
baseline
▲ 0.50% · 4.625%
HK$55,416
+HK$3,178/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$104,476/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,685
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$56,151
−HK$1,488/mo
Today · 4.125%
HK$57,639
baseline
▲ 0.50% · 4.625%
HK$60,677
+HK$3,038/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$115,278/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,348
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$59,132
−HK$1,812/mo
Today · 4.125%
HK$60,944
baseline
▲ 0.50% · 4.625%
HK$64,652
+HK$3,708/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$121,888/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,799
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$65,510
−HK$1,736/mo
Today · 4.125%
HK$67,246
baseline
▲ 0.50% · 4.625%
HK$70,790
+HK$3,544/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$134,492/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,733
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$76,026
−HK$2,330/mo
Today · 4.125%
HK$78,356
baseline
▲ 0.50% · 4.625%
HK$83,124
+HK$4,768/mo
Deposit HK$1.80M · loan HK$16.17M · min. income ≈ HK$156,712/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,653 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,027
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$84,227
−HK$2,232/mo
Today · 4.125%
HK$86,459
baseline
▲ 0.50% · 4.625%
HK$91,016
+HK$4,557/mo
Deposit HK$1.80M · loan HK$16.17M · min. income ≈ HK$172,918/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,653 · Scale 2, in force from 26 Feb 2026)