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$40,922
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,195
−HK$1,294/mo
Today · 4.125%
HK$43,489
baseline
▲ 0.50% · 4.625%
HK$46,135
+HK$2,646/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,978/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$672,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,526
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,747
−HK$1,238/mo
Today · 4.125%
HK$47,985
baseline
▲ 0.50% · 4.625%
HK$50,515
+HK$2,530/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,970/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$672,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,107
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,634
−HK$1,552/mo
Today · 4.125%
HK$52,186
baseline
▲ 0.50% · 4.625%
HK$55,362
+HK$3,176/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$104,372/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,631
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,096
−HK$1,486/mo
Today · 4.125%
HK$57,582
baseline
▲ 0.50% · 4.625%
HK$60,618
+HK$3,036/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$115,164/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,291
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,073
−HK$1,811/mo
Today · 4.125%
HK$60,884
baseline
▲ 0.50% · 4.625%
HK$64,589
+HK$3,705/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$121,768/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$672,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,736
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$65,445
−HK$1,735/mo
Today · 4.125%
HK$67,180
baseline
▲ 0.50% · 4.625%
HK$70,721
+HK$3,541/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$134,360/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$672,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,660
−HK$4,620/mo
▼ 0.25% · 3.875%
HK$75,952
−HK$2,328/mo
Today · 4.125%
HK$78,280
baseline
▲ 0.50% · 4.625%
HK$83,043
+HK$4,763/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$156,560/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,991 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,946
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$84,144
−HK$2,230/mo
Today · 4.125%
HK$86,374
baseline
▲ 0.50% · 4.625%
HK$90,927
+HK$4,553/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$172,748/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,991 · Scale 2, in force from 26 Feb 2026)