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$40,884
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,156
−HK$1,292/mo
Today · 4.125%
HK$43,448
baseline
▲ 0.50% · 4.625%
HK$46,092
+HK$2,644/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,896/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,483
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,703
−HK$1,237/mo
Today · 4.125%
HK$47,940
baseline
▲ 0.50% · 4.625%
HK$50,467
+HK$2,527/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,880/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,061
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,587
−HK$1,550/mo
Today · 4.125%
HK$52,137
baseline
▲ 0.50% · 4.625%
HK$55,310
+HK$3,173/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$104,274/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,580
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,044
−HK$1,485/mo
Today · 4.125%
HK$57,529
baseline
▲ 0.50% · 4.625%
HK$60,561
+HK$3,032/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$115,058/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,238
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,018
−HK$1,809/mo
Today · 4.125%
HK$60,827
baseline
▲ 0.50% · 4.625%
HK$64,528
+HK$3,701/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$121,654/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,676
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,384
−HK$1,733/mo
Today · 4.125%
HK$67,117
baseline
▲ 0.50% · 4.625%
HK$70,654
+HK$3,537/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$134,234/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,591
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$75,881
−HK$2,325/mo
Today · 4.125%
HK$78,206
baseline
▲ 0.50% · 4.625%
HK$82,965
+HK$4,759/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$156,412/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,361 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,870
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,065
−HK$2,228/mo
Today · 4.125%
HK$86,293
baseline
▲ 0.50% · 4.625%
HK$90,841
+HK$4,548/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$172,586/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,361 · Scale 2, in force from 26 Feb 2026)