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$40,947
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,221
−HK$1,294/mo
Today · 4.125%
HK$43,515
baseline
▲ 0.50% · 4.625%
HK$46,162
+HK$2,647/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$87,030/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,553
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,775
−HK$1,239/mo
Today · 4.125%
HK$48,014
baseline
▲ 0.50% · 4.625%
HK$50,545
+HK$2,531/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$96,028/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,136
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$50,665
−HK$1,553/mo
Today · 4.125%
HK$52,218
baseline
▲ 0.50% · 4.625%
HK$55,395
+HK$3,177/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$104,436/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,664
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,130
−HK$1,487/mo
Today · 4.125%
HK$57,617
baseline
▲ 0.50% · 4.625%
HK$60,654
+HK$3,037/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$115,234/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,326
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$59,109
−HK$1,811/mo
Today · 4.125%
HK$60,920
baseline
▲ 0.50% · 4.625%
HK$64,627
+HK$3,707/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$121,840/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,774
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,485
−HK$1,735/mo
Today · 4.125%
HK$67,220
baseline
▲ 0.50% · 4.625%
HK$70,763
+HK$3,543/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$134,440/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,704
−HK$4,622/mo
▼ 0.25% · 3.875%
HK$75,997
−HK$2,329/mo
Today · 4.125%
HK$78,326
baseline
▲ 0.50% · 4.625%
HK$83,092
+HK$4,766/mo
Deposit HK$1.80M · loan HK$16.16M · min. income ≈ HK$156,652/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,995
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$84,194
−HK$2,231/mo
Today · 4.125%
HK$86,425
baseline
▲ 0.50% · 4.625%
HK$90,981
+HK$4,556/mo
Deposit HK$1.80M · loan HK$16.16M · min. income ≈ HK$172,850/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,393 · Scale 2, in force from 26 Feb 2026)