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$40,850
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,121
−HK$1,291/mo
Today · 4.125%
HK$43,412
baseline
▲ 0.50% · 4.625%
HK$46,053
+HK$2,641/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,824/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,445
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,664
−HK$1,236/mo
Today · 4.125%
HK$47,900
baseline
▲ 0.50% · 4.625%
HK$50,425
+HK$2,525/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,800/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,020
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$50,545
−HK$1,549/mo
Today · 4.125%
HK$52,094
baseline
▲ 0.50% · 4.625%
HK$55,264
+HK$3,170/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$104,188/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,534
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$55,997
−HK$1,484/mo
Today · 4.125%
HK$57,481
baseline
▲ 0.50% · 4.625%
HK$60,510
+HK$3,029/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$114,962/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,190
−HK$3,586/mo
▼ 0.25% · 3.875%
HK$58,969
−HK$1,807/mo
Today · 4.125%
HK$60,776
baseline
▲ 0.50% · 4.625%
HK$64,474
+HK$3,698/mo
Deposit HK$5.37M · loan HK$12.54M · min. income ≈ HK$121,552/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$671,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,623
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,330
−HK$1,731/mo
Today · 4.125%
HK$67,061
baseline
▲ 0.50% · 4.625%
HK$70,595
+HK$3,534/mo
Deposit HK$5.37M · loan HK$12.54M · min. income ≈ HK$134,122/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$671,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,530
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$75,817
−HK$2,324/mo
Today · 4.125%
HK$78,141
baseline
▲ 0.50% · 4.625%
HK$82,896
+HK$4,755/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$156,282/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,801
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$83,995
−HK$2,226/mo
Today · 4.125%
HK$86,221
baseline
▲ 0.50% · 4.625%
HK$90,766
+HK$4,545/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$172,442/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,799 · Scale 2, in force from 26 Feb 2026)