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$40,896
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,168
−HK$1,293/mo
Today · 4.125%
HK$43,461
baseline
▲ 0.50% · 4.625%
HK$46,105
+HK$2,644/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,922/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,497
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,717
−HK$1,238/mo
Today · 4.125%
HK$47,955
baseline
▲ 0.50% · 4.625%
HK$50,483
+HK$2,528/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,910/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,076
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,602
−HK$1,551/mo
Today · 4.125%
HK$52,153
baseline
▲ 0.50% · 4.625%
HK$55,326
+HK$3,173/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$104,306/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,596
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,060
−HK$1,486/mo
Today · 4.125%
HK$57,546
baseline
▲ 0.50% · 4.625%
HK$60,579
+HK$3,033/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$115,092/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,255
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,036
−HK$1,809/mo
Today · 4.125%
HK$60,845
baseline
▲ 0.50% · 4.625%
HK$64,548
+HK$3,703/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$121,690/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,695
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,404
−HK$1,733/mo
Today · 4.125%
HK$67,137
baseline
▲ 0.50% · 4.625%
HK$70,676
+HK$3,539/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$134,274/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,613
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$75,903
−HK$2,327/mo
Today · 4.125%
HK$78,230
baseline
▲ 0.50% · 4.625%
HK$82,990
+HK$4,760/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$156,460/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,562 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,894
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,091
−HK$2,228/mo
Today · 4.125%
HK$86,319
baseline
▲ 0.50% · 4.625%
HK$90,869
+HK$4,550/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$172,638/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,562 · Scale 2, in force from 26 Feb 2026)