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$40,913
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,185
−HK$1,293/mo
Today · 4.125%
HK$43,478
baseline
▲ 0.50% · 4.625%
HK$46,124
+HK$2,646/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,956/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,515
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,736
−HK$1,238/mo
Today · 4.125%
HK$47,974
baseline
▲ 0.50% · 4.625%
HK$50,503
+HK$2,529/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,948/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,095
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,622
−HK$1,552/mo
Today · 4.125%
HK$52,174
baseline
▲ 0.50% · 4.625%
HK$55,348
+HK$3,174/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$104,348/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,618
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,083
−HK$1,486/mo
Today · 4.125%
HK$57,569
baseline
▲ 0.50% · 4.625%
HK$60,603
+HK$3,034/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$115,138/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,278
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,059
−HK$1,810/mo
Today · 4.125%
HK$60,869
baseline
▲ 0.50% · 4.625%
HK$64,573
+HK$3,704/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$121,738/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$672,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,721
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,430
−HK$1,733/mo
Today · 4.125%
HK$67,163
baseline
▲ 0.50% · 4.625%
HK$70,704
+HK$3,541/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$134,326/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$672,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,643
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$75,933
−HK$2,328/mo
Today · 4.125%
HK$78,261
baseline
▲ 0.50% · 4.625%
HK$83,023
+HK$4,762/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$156,522/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,829 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,927
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$84,124
−HK$2,229/mo
Today · 4.125%
HK$86,353
baseline
▲ 0.50% · 4.625%
HK$90,905
+HK$4,552/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$172,706/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,829 · Scale 2, in force from 26 Feb 2026)