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$40,885
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,157
−HK$1,292/mo
Today · 4.125%
HK$43,449
baseline
▲ 0.50% · 4.625%
HK$46,093
+HK$2,644/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,898/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,484
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,704
−HK$1,238/mo
Today · 4.125%
HK$47,942
baseline
▲ 0.50% · 4.625%
HK$50,469
+HK$2,527/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,884/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,062
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,588
−HK$1,551/mo
Today · 4.125%
HK$52,139
baseline
▲ 0.50% · 4.625%
HK$55,311
+HK$3,172/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$104,278/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,581
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,045
−HK$1,485/mo
Today · 4.125%
HK$57,530
baseline
▲ 0.50% · 4.625%
HK$60,563
+HK$3,033/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$115,060/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,239
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,020
−HK$1,809/mo
Today · 4.125%
HK$60,829
baseline
▲ 0.50% · 4.625%
HK$64,530
+HK$3,701/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$121,658/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,678
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,386
−HK$1,732/mo
Today · 4.125%
HK$67,118
baseline
▲ 0.50% · 4.625%
HK$70,656
+HK$3,538/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$134,236/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,593
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$75,882
−HK$2,326/mo
Today · 4.125%
HK$78,208
baseline
▲ 0.50% · 4.625%
HK$82,967
+HK$4,759/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$156,416/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,378 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,872
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,068
−HK$2,227/mo
Today · 4.125%
HK$86,295
baseline
▲ 0.50% · 4.625%
HK$90,844
+HK$4,549/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$172,590/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,378 · Scale 2, in force from 26 Feb 2026)