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$40,915
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,187
−HK$1,293/mo
Today · 4.125%
HK$43,480
baseline
▲ 0.50% · 4.625%
HK$46,126
+HK$2,646/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,960/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,517
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,738
−HK$1,238/mo
Today · 4.125%
HK$47,976
baseline
▲ 0.50% · 4.625%
HK$50,505
+HK$2,529/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,952/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,097
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,625
−HK$1,551/mo
Today · 4.125%
HK$52,176
baseline
▲ 0.50% · 4.625%
HK$55,351
+HK$3,175/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$104,352/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,620
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,085
−HK$1,486/mo
Today · 4.125%
HK$57,571
baseline
▲ 0.50% · 4.625%
HK$60,606
+HK$3,035/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$115,142/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,280
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$59,062
−HK$1,810/mo
Today · 4.125%
HK$60,872
baseline
▲ 0.50% · 4.625%
HK$64,576
+HK$3,704/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$121,744/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$672,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,724
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,433
−HK$1,734/mo
Today · 4.125%
HK$67,167
baseline
▲ 0.50% · 4.625%
HK$70,707
+HK$3,540/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$134,334/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$672,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,646
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$75,937
−HK$2,327/mo
Today · 4.125%
HK$78,264
baseline
▲ 0.50% · 4.625%
HK$83,027
+HK$4,763/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$156,528/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,861 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,931
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$84,128
−HK$2,229/mo
Today · 4.125%
HK$86,357
baseline
▲ 0.50% · 4.625%
HK$90,909
+HK$4,552/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$172,714/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,861 · Scale 2, in force from 26 Feb 2026)