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$40,970
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$42,244
−HK$1,295/mo
Today · 4.125%
HK$43,539
baseline
▲ 0.50% · 4.625%
HK$46,188
+HK$2,649/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$87,078/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$673,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,579
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,801
−HK$1,240/mo
Today · 4.125%
HK$48,041
baseline
▲ 0.50% · 4.625%
HK$50,573
+HK$2,532/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$96,082/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$673,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,164
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,693
−HK$1,554/mo
Today · 4.125%
HK$52,247
baseline
▲ 0.50% · 4.625%
HK$55,426
+HK$3,179/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$104,494/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,694
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$56,161
−HK$1,488/mo
Today · 4.125%
HK$57,649
baseline
▲ 0.50% · 4.625%
HK$60,688
+HK$3,039/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$115,298/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,358
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,142
−HK$1,813/mo
Today · 4.125%
HK$60,955
baseline
▲ 0.50% · 4.625%
HK$64,664
+HK$3,709/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$121,910/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,810
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$65,521
−HK$1,736/mo
Today · 4.125%
HK$67,257
baseline
▲ 0.50% · 4.625%
HK$70,803
+HK$3,546/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$134,514/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,746
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$76,040
−HK$2,330/mo
Today · 4.125%
HK$78,370
baseline
▲ 0.50% · 4.625%
HK$83,139
+HK$4,769/mo
Deposit HK$1.80M · loan HK$16.17M · min. income ≈ HK$156,740/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,041
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$84,242
−HK$2,232/mo
Today · 4.125%
HK$86,474
baseline
▲ 0.50% · 4.625%
HK$91,032
+HK$4,558/mo
Deposit HK$1.80M · loan HK$16.17M · min. income ≈ HK$172,948/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,771 · Scale 2, in force from 26 Feb 2026)