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$40,859
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,130
−HK$1,292/mo
Today · 4.125%
HK$43,422
baseline
▲ 0.50% · 4.625%
HK$46,064
+HK$2,642/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,844/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,456
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,675
−HK$1,237/mo
Today · 4.125%
HK$47,912
baseline
▲ 0.50% · 4.625%
HK$50,437
+HK$2,525/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,824/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,031
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,557
−HK$1,549/mo
Today · 4.125%
HK$52,106
baseline
▲ 0.50% · 4.625%
HK$55,277
+HK$3,171/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$104,212/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,547
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$56,010
−HK$1,484/mo
Today · 4.125%
HK$57,494
baseline
▲ 0.50% · 4.625%
HK$60,525
+HK$3,031/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$114,988/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,203
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,983
−HK$1,807/mo
Today · 4.125%
HK$60,790
baseline
▲ 0.50% · 4.625%
HK$64,489
+HK$3,699/mo
Deposit HK$5.38M · loan HK$12.54M · min. income ≈ HK$121,580/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$671,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,638
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,345
−HK$1,731/mo
Today · 4.125%
HK$67,076
baseline
▲ 0.50% · 4.625%
HK$70,612
+HK$3,536/mo
Deposit HK$5.38M · loan HK$12.54M · min. income ≈ HK$134,152/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$671,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,547
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$75,835
−HK$2,324/mo
Today · 4.125%
HK$78,159
baseline
▲ 0.50% · 4.625%
HK$82,915
+HK$4,756/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$156,318/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,820
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$84,015
−HK$2,226/mo
Today · 4.125%
HK$86,241
baseline
▲ 0.50% · 4.625%
HK$90,787
+HK$4,546/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$172,482/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,956 · Scale 2, in force from 26 Feb 2026)