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$40,908
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,181
−HK$1,292/mo
Today · 4.125%
HK$43,473
baseline
▲ 0.50% · 4.625%
HK$46,119
+HK$2,646/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,946/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,510
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,730
−HK$1,239/mo
Today · 4.125%
HK$47,969
baseline
▲ 0.50% · 4.625%
HK$50,497
+HK$2,528/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,938/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,090
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$50,617
−HK$1,551/mo
Today · 4.125%
HK$52,168
baseline
▲ 0.50% · 4.625%
HK$55,342
+HK$3,174/mo
Deposit HK$7.18M · loan HK$10.76M · min. income ≈ HK$104,336/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,612
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,077
−HK$1,485/mo
Today · 4.125%
HK$57,562
baseline
▲ 0.50% · 4.625%
HK$60,597
+HK$3,035/mo
Deposit HK$7.18M · loan HK$10.76M · min. income ≈ HK$115,124/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,271
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$59,053
−HK$1,810/mo
Today · 4.125%
HK$60,863
baseline
▲ 0.50% · 4.625%
HK$64,566
+HK$3,703/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$121,726/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,714
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,423
−HK$1,733/mo
Today · 4.125%
HK$67,156
baseline
▲ 0.50% · 4.625%
HK$70,696
+HK$3,540/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$134,312/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,635
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$75,925
−HK$2,327/mo
Today · 4.125%
HK$78,252
baseline
▲ 0.50% · 4.625%
HK$83,014
+HK$4,762/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$156,504/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,757 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,918
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$84,115
−HK$2,229/mo
Today · 4.125%
HK$86,344
baseline
▲ 0.50% · 4.625%
HK$90,895
+HK$4,551/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$172,688/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,757 · Scale 2, in force from 26 Feb 2026)