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$40,891
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,162
−HK$1,293/mo
Today · 4.125%
HK$43,455
baseline
▲ 0.50% · 4.625%
HK$46,099
+HK$2,644/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,910/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,490
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,710
−HK$1,238/mo
Today · 4.125%
HK$47,948
baseline
▲ 0.50% · 4.625%
HK$50,475
+HK$2,527/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,896/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,069
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,595
−HK$1,551/mo
Today · 4.125%
HK$52,146
baseline
▲ 0.50% · 4.625%
HK$55,319
+HK$3,173/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$104,292/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,588
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,052
−HK$1,486/mo
Today · 4.125%
HK$57,538
baseline
▲ 0.50% · 4.625%
HK$60,570
+HK$3,032/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$115,076/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,247
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,027
−HK$1,810/mo
Today · 4.125%
HK$60,837
baseline
▲ 0.50% · 4.625%
HK$64,538
+HK$3,701/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$121,674/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,686
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,394
−HK$1,733/mo
Today · 4.125%
HK$67,127
baseline
▲ 0.50% · 4.625%
HK$70,666
+HK$3,539/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$134,254/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,603
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$75,892
−HK$2,327/mo
Today · 4.125%
HK$78,219
baseline
▲ 0.50% · 4.625%
HK$82,978
+HK$4,759/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$156,438/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,883
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,079
−HK$2,227/mo
Today · 4.125%
HK$86,306
baseline
▲ 0.50% · 4.625%
HK$90,856
+HK$4,550/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$172,612/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,466 · Scale 2, in force from 26 Feb 2026)