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$40,879
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,150
−HK$1,292/mo
Today · 4.125%
HK$43,442
baseline
▲ 0.50% · 4.625%
HK$46,086
+HK$2,644/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,884/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,477
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,697
−HK$1,237/mo
Today · 4.125%
HK$47,934
baseline
▲ 0.50% · 4.625%
HK$50,461
+HK$2,527/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,868/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,055
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,581
−HK$1,550/mo
Today · 4.125%
HK$52,131
baseline
▲ 0.50% · 4.625%
HK$55,303
+HK$3,172/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$104,262/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,573
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,036
−HK$1,485/mo
Today · 4.125%
HK$57,521
baseline
▲ 0.50% · 4.625%
HK$60,553
+HK$3,032/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$115,042/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,230
−HK$3,589/mo
▼ 0.25% · 3.875%
HK$59,011
−HK$1,808/mo
Today · 4.125%
HK$60,819
baseline
▲ 0.50% · 4.625%
HK$64,520
+HK$3,701/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$121,638/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,668
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,376
−HK$1,732/mo
Today · 4.125%
HK$67,108
baseline
▲ 0.50% · 4.625%
HK$70,645
+HK$3,537/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$134,216/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,582
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$75,871
−HK$2,325/mo
Today · 4.125%
HK$78,196
baseline
▲ 0.50% · 4.625%
HK$82,954
+HK$4,758/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$156,392/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,859
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,055
−HK$2,227/mo
Today · 4.125%
HK$86,282
baseline
▲ 0.50% · 4.625%
HK$90,830
+HK$4,548/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$172,564/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,275 · Scale 2, in force from 26 Feb 2026)