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$40,856
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,126
−HK$1,292/mo
Today · 4.125%
HK$43,418
baseline
▲ 0.50% · 4.625%
HK$46,059
+HK$2,641/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,836/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,451
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,670
−HK$1,237/mo
Today · 4.125%
HK$47,907
baseline
▲ 0.50% · 4.625%
HK$50,432
+HK$2,525/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,814/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,027
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$50,552
−HK$1,549/mo
Today · 4.125%
HK$52,101
baseline
▲ 0.50% · 4.625%
HK$55,271
+HK$3,170/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$104,202/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,542
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$56,004
−HK$1,484/mo
Today · 4.125%
HK$57,488
baseline
▲ 0.50% · 4.625%
HK$60,519
+HK$3,031/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$114,976/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,198
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,977
−HK$1,808/mo
Today · 4.125%
HK$60,785
baseline
▲ 0.50% · 4.625%
HK$64,483
+HK$3,698/mo
Deposit HK$5.38M · loan HK$12.54M · min. income ≈ HK$121,570/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$671,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,632
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,339
−HK$1,731/mo
Today · 4.125%
HK$67,070
baseline
▲ 0.50% · 4.625%
HK$70,605
+HK$3,535/mo
Deposit HK$5.38M · loan HK$12.54M · min. income ≈ HK$134,140/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$671,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,540
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$75,828
−HK$2,324/mo
Today · 4.125%
HK$78,152
baseline
▲ 0.50% · 4.625%
HK$82,907
+HK$4,755/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$156,304/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,813
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$84,007
−HK$2,226/mo
Today · 4.125%
HK$86,233
baseline
▲ 0.50% · 4.625%
HK$90,778
+HK$4,545/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$172,466/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,891 · Scale 2, in force from 26 Feb 2026)