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$40,918
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,190
−HK$1,294/mo
Today · 4.125%
HK$43,484
baseline
▲ 0.50% · 4.625%
HK$46,129
+HK$2,645/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,968/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$672,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,521
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,741
−HK$1,239/mo
Today · 4.125%
HK$47,980
baseline
▲ 0.50% · 4.625%
HK$50,509
+HK$2,529/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,960/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$672,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,101
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,629
−HK$1,551/mo
Today · 4.125%
HK$52,180
baseline
▲ 0.50% · 4.625%
HK$55,355
+HK$3,175/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$104,360/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,625
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,090
−HK$1,486/mo
Today · 4.125%
HK$57,576
baseline
▲ 0.50% · 4.625%
HK$60,611
+HK$3,035/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$115,152/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,285
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$59,067
−HK$1,810/mo
Today · 4.125%
HK$60,877
baseline
▲ 0.50% · 4.625%
HK$64,581
+HK$3,704/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$121,754/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$672,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,729
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,438
−HK$1,734/mo
Today · 4.125%
HK$67,172
baseline
▲ 0.50% · 4.625%
HK$70,713
+HK$3,541/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$134,344/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$672,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,652
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$75,943
−HK$2,327/mo
Today · 4.125%
HK$78,270
baseline
▲ 0.50% · 4.625%
HK$83,033
+HK$4,763/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$156,540/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,913 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,937
−HK$4,427/mo
▼ 0.25% · 3.875%
HK$84,134
−HK$2,230/mo
Today · 4.125%
HK$86,364
baseline
▲ 0.50% · 4.625%
HK$90,916
+HK$4,552/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$172,728/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,913 · Scale 2, in force from 26 Feb 2026)