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$40,924
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,197
−HK$1,293/mo
Today · 4.125%
HK$43,490
baseline
▲ 0.50% · 4.625%
HK$46,137
+HK$2,647/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,980/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,528
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,749
−HK$1,238/mo
Today · 4.125%
HK$47,987
baseline
▲ 0.50% · 4.625%
HK$50,517
+HK$2,530/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,974/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,109
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,637
−HK$1,552/mo
Today · 4.125%
HK$52,189
baseline
▲ 0.50% · 4.625%
HK$55,364
+HK$3,175/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$104,378/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$673,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,633
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,099
−HK$1,486/mo
Today · 4.125%
HK$57,585
baseline
▲ 0.50% · 4.625%
HK$60,620
+HK$3,035/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$115,170/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$673,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,294
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,076
−HK$1,811/mo
Today · 4.125%
HK$60,887
baseline
▲ 0.50% · 4.625%
HK$64,591
+HK$3,704/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$121,774/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,739
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,448
−HK$1,734/mo
Today · 4.125%
HK$67,182
baseline
▲ 0.50% · 4.625%
HK$70,724
+HK$3,542/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$134,364/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,664
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,955
−HK$2,328/mo
Today · 4.125%
HK$78,283
baseline
▲ 0.50% · 4.625%
HK$83,046
+HK$4,763/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$156,566/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,020 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,950
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,148
−HK$2,229/mo
Today · 4.125%
HK$86,377
baseline
▲ 0.50% · 4.625%
HK$90,931
+HK$4,554/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$172,754/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,020 · Scale 2, in force from 26 Feb 2026)