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$40,904
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,177
−HK$1,293/mo
Today · 4.125%
HK$43,470
baseline
▲ 0.50% · 4.625%
HK$46,115
+HK$2,645/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,940/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,506
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,726
−HK$1,238/mo
Today · 4.125%
HK$47,964
baseline
▲ 0.50% · 4.625%
HK$50,493
+HK$2,529/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,928/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,085
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$50,612
−HK$1,551/mo
Today · 4.125%
HK$52,163
baseline
▲ 0.50% · 4.625%
HK$55,337
+HK$3,174/mo
Deposit HK$7.18M · loan HK$10.76M · min. income ≈ HK$104,326/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,607
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,071
−HK$1,486/mo
Today · 4.125%
HK$57,557
baseline
▲ 0.50% · 4.625%
HK$60,591
+HK$3,034/mo
Deposit HK$7.18M · loan HK$10.76M · min. income ≈ HK$115,114/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,266
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,048
−HK$1,809/mo
Today · 4.125%
HK$60,857
baseline
▲ 0.50% · 4.625%
HK$64,560
+HK$3,703/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$121,714/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,708
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,417
−HK$1,733/mo
Today · 4.125%
HK$67,150
baseline
▲ 0.50% · 4.625%
HK$70,690
+HK$3,540/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$134,300/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,628
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$75,918
−HK$2,327/mo
Today · 4.125%
HK$78,245
baseline
▲ 0.50% · 4.625%
HK$83,006
+HK$4,761/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$156,490/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,695 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,910
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$84,107
−HK$2,229/mo
Today · 4.125%
HK$86,336
baseline
▲ 0.50% · 4.625%
HK$90,887
+HK$4,551/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$172,672/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,695 · Scale 2, in force from 26 Feb 2026)