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$40,875
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,146
−HK$1,292/mo
Today · 4.125%
HK$43,438
baseline
▲ 0.50% · 4.625%
HK$46,081
+HK$2,643/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,876/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$672,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,473
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,692
−HK$1,238/mo
Today · 4.125%
HK$47,930
baseline
▲ 0.50% · 4.625%
HK$50,456
+HK$2,526/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,860/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$672,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,050
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,576
−HK$1,550/mo
Today · 4.125%
HK$52,126
baseline
▲ 0.50% · 4.625%
HK$55,297
+HK$3,171/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$104,252/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,567
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,031
−HK$1,485/mo
Today · 4.125%
HK$57,516
baseline
▲ 0.50% · 4.625%
HK$60,547
+HK$3,031/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$115,032/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,225
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$59,005
−HK$1,808/mo
Today · 4.125%
HK$60,813
baseline
▲ 0.50% · 4.625%
HK$64,514
+HK$3,701/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$121,626/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,662
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,369
−HK$1,733/mo
Today · 4.125%
HK$67,102
baseline
▲ 0.50% · 4.625%
HK$70,639
+HK$3,537/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$134,204/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,575
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$75,863
−HK$2,326/mo
Today · 4.125%
HK$78,189
baseline
▲ 0.50% · 4.625%
HK$82,946
+HK$4,757/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$156,378/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$672,209 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,851
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$84,046
−HK$2,227/mo
Today · 4.125%
HK$86,273
baseline
▲ 0.50% · 4.625%
HK$90,821
+HK$4,548/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$172,546/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$672,209 · Scale 2, in force from 26 Feb 2026)