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$40,887
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,159
−HK$1,292/mo
Today · 4.125%
HK$43,451
baseline
▲ 0.50% · 4.625%
HK$46,095
+HK$2,644/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,902/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,487
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,706
−HK$1,238/mo
Today · 4.125%
HK$47,944
baseline
▲ 0.50% · 4.625%
HK$50,471
+HK$2,527/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,888/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,065
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,591
−HK$1,550/mo
Today · 4.125%
HK$52,141
baseline
▲ 0.50% · 4.625%
HK$55,314
+HK$3,173/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$104,282/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,584
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,048
−HK$1,485/mo
Today · 4.125%
HK$57,533
baseline
▲ 0.50% · 4.625%
HK$60,565
+HK$3,032/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$115,066/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,242
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,023
−HK$1,809/mo
Today · 4.125%
HK$60,832
baseline
▲ 0.50% · 4.625%
HK$64,533
+HK$3,701/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$121,664/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,681
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,389
−HK$1,733/mo
Today · 4.125%
HK$67,122
baseline
▲ 0.50% · 4.625%
HK$70,660
+HK$3,538/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$134,244/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,597
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$75,886
−HK$2,326/mo
Today · 4.125%
HK$78,212
baseline
▲ 0.50% · 4.625%
HK$82,971
+HK$4,759/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$156,424/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,876
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,072
−HK$2,227/mo
Today · 4.125%
HK$86,299
baseline
▲ 0.50% · 4.625%
HK$90,848
+HK$4,549/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$172,598/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,411 · Scale 2, in force from 26 Feb 2026)