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$40,907
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,179
−HK$1,293/mo
Today · 4.125%
HK$43,472
baseline
▲ 0.50% · 4.625%
HK$46,117
+HK$2,645/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,944/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,508
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,729
−HK$1,238/mo
Today · 4.125%
HK$47,967
baseline
▲ 0.50% · 4.625%
HK$50,495
+HK$2,528/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,934/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,088
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$50,615
−HK$1,551/mo
Today · 4.125%
HK$52,166
baseline
▲ 0.50% · 4.625%
HK$55,340
+HK$3,174/mo
Deposit HK$7.18M · loan HK$10.76M · min. income ≈ HK$104,332/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,610
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,075
−HK$1,485/mo
Today · 4.125%
HK$57,560
baseline
▲ 0.50% · 4.625%
HK$60,594
+HK$3,034/mo
Deposit HK$7.18M · loan HK$10.76M · min. income ≈ HK$115,120/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,269
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$59,051
−HK$1,810/mo
Today · 4.125%
HK$60,861
baseline
▲ 0.50% · 4.625%
HK$64,564
+HK$3,703/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$121,722/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,712
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,420
−HK$1,734/mo
Today · 4.125%
HK$67,154
baseline
▲ 0.50% · 4.625%
HK$70,693
+HK$3,539/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$134,308/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,632
−HK$4,617/mo
▼ 0.25% · 3.875%
HK$75,922
−HK$2,327/mo
Today · 4.125%
HK$78,249
baseline
▲ 0.50% · 4.625%
HK$83,011
+HK$4,762/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$156,498/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,915
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$84,112
−HK$2,229/mo
Today · 4.125%
HK$86,341
baseline
▲ 0.50% · 4.625%
HK$90,892
+HK$4,551/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$172,682/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,732 · Scale 2, in force from 26 Feb 2026)