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$40,967
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,241
−HK$1,294/mo
Today · 4.125%
HK$43,535
baseline
▲ 0.50% · 4.625%
HK$46,184
+HK$2,649/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$87,070/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$673,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,575
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,797
−HK$1,240/mo
Today · 4.125%
HK$48,037
baseline
▲ 0.50% · 4.625%
HK$50,569
+HK$2,532/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$96,074/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$673,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,160
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,689
−HK$1,554/mo
Today · 4.125%
HK$52,243
baseline
▲ 0.50% · 4.625%
HK$55,421
+HK$3,178/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$104,486/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,690
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$56,157
−HK$1,488/mo
Today · 4.125%
HK$57,645
baseline
▲ 0.50% · 4.625%
HK$60,683
+HK$3,038/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$115,290/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,353
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,137
−HK$1,813/mo
Today · 4.125%
HK$60,950
baseline
▲ 0.50% · 4.625%
HK$64,658
+HK$3,708/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$121,900/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,805
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$65,516
−HK$1,736/mo
Today · 4.125%
HK$67,252
baseline
▲ 0.50% · 4.625%
HK$70,797
+HK$3,545/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$134,504/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,740
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$76,033
−HK$2,331/mo
Today · 4.125%
HK$78,364
baseline
▲ 0.50% · 4.625%
HK$83,132
+HK$4,768/mo
Deposit HK$1.80M · loan HK$16.17M · min. income ≈ HK$156,728/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,035
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$84,235
−HK$2,232/mo
Today · 4.125%
HK$86,467
baseline
▲ 0.50% · 4.625%
HK$91,025
+HK$4,558/mo
Deposit HK$1.80M · loan HK$16.17M · min. income ≈ HK$172,934/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,716 · Scale 2, in force from 26 Feb 2026)