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$40,950
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,224
−HK$1,294/mo
Today · 4.125%
HK$43,518
baseline
▲ 0.50% · 4.625%
HK$46,166
+HK$2,648/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$87,036/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,556
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,778
−HK$1,240/mo
Today · 4.125%
HK$48,018
baseline
▲ 0.50% · 4.625%
HK$50,549
+HK$2,531/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$96,036/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,140
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$50,669
−HK$1,552/mo
Today · 4.125%
HK$52,221
baseline
▲ 0.50% · 4.625%
HK$55,399
+HK$3,178/mo
Deposit HK$7.18M · loan HK$10.78M · min. income ≈ HK$104,442/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,668
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,134
−HK$1,487/mo
Today · 4.125%
HK$57,621
baseline
▲ 0.50% · 4.625%
HK$60,659
+HK$3,038/mo
Deposit HK$7.18M · loan HK$10.78M · min. income ≈ HK$115,242/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,330
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,113
−HK$1,812/mo
Today · 4.125%
HK$60,925
baseline
▲ 0.50% · 4.625%
HK$64,632
+HK$3,707/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$121,850/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,779
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,490
−HK$1,735/mo
Today · 4.125%
HK$67,225
baseline
▲ 0.50% · 4.625%
HK$70,768
+HK$3,543/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$134,450/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,710
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$76,003
−HK$2,329/mo
Today · 4.125%
HK$78,332
baseline
▲ 0.50% · 4.625%
HK$83,099
+HK$4,767/mo
Deposit HK$1.80M · loan HK$16.16M · min. income ≈ HK$156,664/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,444 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,002
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$84,201
−HK$2,231/mo
Today · 4.125%
HK$86,432
baseline
▲ 0.50% · 4.625%
HK$90,988
+HK$4,556/mo
Deposit HK$1.80M · loan HK$16.16M · min. income ≈ HK$172,864/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,444 · Scale 2, in force from 26 Feb 2026)