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$40,871
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,142
−HK$1,292/mo
Today · 4.125%
HK$43,434
baseline
▲ 0.50% · 4.625%
HK$46,077
+HK$2,643/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,868/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$672,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,469
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,688
−HK$1,237/mo
Today · 4.125%
HK$47,925
baseline
▲ 0.50% · 4.625%
HK$50,451
+HK$2,526/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,850/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$672,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,045
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,571
−HK$1,550/mo
Today · 4.125%
HK$52,121
baseline
▲ 0.50% · 4.625%
HK$55,292
+HK$3,171/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$104,242/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,562
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,026
−HK$1,484/mo
Today · 4.125%
HK$57,510
baseline
▲ 0.50% · 4.625%
HK$60,542
+HK$3,032/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$115,020/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,220
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$58,999
−HK$1,809/mo
Today · 4.125%
HK$60,808
baseline
▲ 0.50% · 4.625%
HK$64,508
+HK$3,700/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$121,616/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,656
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,363
−HK$1,732/mo
Today · 4.125%
HK$67,095
baseline
▲ 0.50% · 4.625%
HK$70,632
+HK$3,537/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$134,190/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,568
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$75,856
−HK$2,325/mo
Today · 4.125%
HK$78,181
baseline
▲ 0.50% · 4.625%
HK$82,938
+HK$4,757/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$156,362/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$672,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,844
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$84,039
−HK$2,226/mo
Today · 4.125%
HK$86,265
baseline
▲ 0.50% · 4.625%
HK$90,813
+HK$4,548/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$172,530/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$672,147 · Scale 2, in force from 26 Feb 2026)