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$40,903
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,175
−HK$1,292/mo
Today · 4.125%
HK$43,467
baseline
▲ 0.50% · 4.625%
HK$46,112
+HK$2,645/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,934/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,504
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,724
−HK$1,238/mo
Today · 4.125%
HK$47,962
baseline
▲ 0.50% · 4.625%
HK$50,490
+HK$2,528/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,924/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,083
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$50,610
−HK$1,551/mo
Today · 4.125%
HK$52,161
baseline
▲ 0.50% · 4.625%
HK$55,335
+HK$3,174/mo
Deposit HK$7.18M · loan HK$10.76M · min. income ≈ HK$104,322/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,604
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,069
−HK$1,485/mo
Today · 4.125%
HK$57,554
baseline
▲ 0.50% · 4.625%
HK$60,588
+HK$3,034/mo
Deposit HK$7.18M · loan HK$10.76M · min. income ≈ HK$115,108/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,264
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,045
−HK$1,809/mo
Today · 4.125%
HK$60,854
baseline
▲ 0.50% · 4.625%
HK$64,557
+HK$3,703/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$121,708/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,705
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,414
−HK$1,733/mo
Today · 4.125%
HK$67,147
baseline
▲ 0.50% · 4.625%
HK$70,686
+HK$3,539/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$134,294/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,625
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$75,915
−HK$2,326/mo
Today · 4.125%
HK$78,241
baseline
▲ 0.50% · 4.625%
HK$83,002
+HK$4,761/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$156,482/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,663 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,907
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,103
−HK$2,229/mo
Today · 4.125%
HK$86,332
baseline
▲ 0.50% · 4.625%
HK$90,882
+HK$4,550/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$172,664/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,663 · Scale 2, in force from 26 Feb 2026)