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$40,942
−HK$2,568/mo
▼ 0.25% · 3.875%
HK$42,216
−HK$1,294/mo
Today · 4.125%
HK$43,510
baseline
▲ 0.50% · 4.625%
HK$46,157
+HK$2,647/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$87,020/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,548
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,769
−HK$1,240/mo
Today · 4.125%
HK$48,009
baseline
▲ 0.50% · 4.625%
HK$50,539
+HK$2,530/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$96,018/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,131
−HK$3,081/mo
▼ 0.25% · 3.875%
HK$50,659
−HK$1,553/mo
Today · 4.125%
HK$52,212
baseline
▲ 0.50% · 4.625%
HK$55,389
+HK$3,177/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$104,424/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,657
−HK$2,953/mo
▼ 0.25% · 3.875%
HK$56,123
−HK$1,487/mo
Today · 4.125%
HK$57,610
baseline
▲ 0.50% · 4.625%
HK$60,647
+HK$3,037/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$115,220/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,319
−HK$3,595/mo
▼ 0.25% · 3.875%
HK$59,102
−HK$1,812/mo
Today · 4.125%
HK$60,914
baseline
▲ 0.50% · 4.625%
HK$64,620
+HK$3,706/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$121,828/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,767
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$65,477
−HK$1,735/mo
Today · 4.125%
HK$67,212
baseline
▲ 0.50% · 4.625%
HK$70,755
+HK$3,543/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$134,424/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,696
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$75,988
−HK$2,329/mo
Today · 4.125%
HK$78,317
baseline
▲ 0.50% · 4.625%
HK$83,083
+HK$4,766/mo
Deposit HK$1.80M · loan HK$16.16M · min. income ≈ HK$156,634/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,317 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,986
−HK$4,430/mo
▼ 0.25% · 3.875%
HK$84,185
−HK$2,231/mo
Today · 4.125%
HK$86,416
baseline
▲ 0.50% · 4.625%
HK$90,971
+HK$4,555/mo
Deposit HK$1.80M · loan HK$16.16M · min. income ≈ HK$172,832/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,317 · Scale 2, in force from 26 Feb 2026)