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$40,955
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,229
−HK$1,294/mo
Today · 4.125%
HK$43,523
baseline
▲ 0.50% · 4.625%
HK$46,171
+HK$2,648/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$87,046/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,562
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,784
−HK$1,239/mo
Today · 4.125%
HK$48,023
baseline
▲ 0.50% · 4.625%
HK$50,555
+HK$2,532/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$96,046/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,146
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$50,674
−HK$1,554/mo
Today · 4.125%
HK$52,228
baseline
▲ 0.50% · 4.625%
HK$55,406
+HK$3,178/mo
Deposit HK$7.18M · loan HK$10.78M · min. income ≈ HK$104,456/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,674
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$56,140
−HK$1,488/mo
Today · 4.125%
HK$57,628
baseline
▲ 0.50% · 4.625%
HK$60,666
+HK$3,038/mo
Deposit HK$7.18M · loan HK$10.78M · min. income ≈ HK$115,256/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,337
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,120
−HK$1,812/mo
Today · 4.125%
HK$60,932
baseline
▲ 0.50% · 4.625%
HK$64,640
+HK$3,708/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$121,864/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,786
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$65,497
−HK$1,736/mo
Today · 4.125%
HK$67,233
baseline
▲ 0.50% · 4.625%
HK$70,777
+HK$3,544/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$134,466/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,719
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$76,012
−HK$2,329/mo
Today · 4.125%
HK$78,341
baseline
▲ 0.50% · 4.625%
HK$83,108
+HK$4,767/mo
Deposit HK$1.80M · loan HK$16.16M · min. income ≈ HK$156,682/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,523 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,011
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$84,211
−HK$2,231/mo
Today · 4.125%
HK$86,442
baseline
▲ 0.50% · 4.625%
HK$90,998
+HK$4,556/mo
Deposit HK$1.80M · loan HK$16.16M · min. income ≈ HK$172,884/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,523 · Scale 2, in force from 26 Feb 2026)