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$40,973
−HK$2,570/mo
▼ 0.25% · 3.875%
HK$42,248
−HK$1,295/mo
Today · 4.125%
HK$43,543
baseline
▲ 0.50% · 4.625%
HK$46,192
+HK$2,649/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$87,086/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$673,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,582
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$46,805
−HK$1,240/mo
Today · 4.125%
HK$48,045
baseline
▲ 0.50% · 4.625%
HK$50,577
+HK$2,532/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$96,090/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$673,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,168
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,697
−HK$1,554/mo
Today · 4.125%
HK$52,251
baseline
▲ 0.50% · 4.625%
HK$55,430
+HK$3,179/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$104,502/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,699
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$56,166
−HK$1,488/mo
Today · 4.125%
HK$57,654
baseline
▲ 0.50% · 4.625%
HK$60,693
+HK$3,039/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$115,308/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,362
−HK$3,598/mo
▼ 0.25% · 3.875%
HK$59,147
−HK$1,813/mo
Today · 4.125%
HK$60,960
baseline
▲ 0.50% · 4.625%
HK$64,669
+HK$3,709/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$121,920/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,815
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,527
−HK$1,736/mo
Today · 4.125%
HK$67,263
baseline
▲ 0.50% · 4.625%
HK$70,808
+HK$3,545/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$134,526/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,752
−HK$4,625/mo
▼ 0.25% · 3.875%
HK$76,046
−HK$2,331/mo
Today · 4.125%
HK$78,377
baseline
▲ 0.50% · 4.625%
HK$83,146
+HK$4,769/mo
Deposit HK$1.80M · loan HK$16.17M · min. income ≈ HK$156,754/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,048
−HK$4,433/mo
▼ 0.25% · 3.875%
HK$84,249
−HK$2,232/mo
Today · 4.125%
HK$86,481
baseline
▲ 0.50% · 4.625%
HK$91,039
+HK$4,558/mo
Deposit HK$1.80M · loan HK$16.17M · min. income ≈ HK$172,962/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,826 · Scale 2, in force from 26 Feb 2026)