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$40,899
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,171
−HK$1,292/mo
Today · 4.125%
HK$43,463
baseline
▲ 0.50% · 4.625%
HK$46,108
+HK$2,645/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,926/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,499
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,720
−HK$1,238/mo
Today · 4.125%
HK$47,958
baseline
▲ 0.50% · 4.625%
HK$50,486
+HK$2,528/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,916/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,079
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,605
−HK$1,551/mo
Today · 4.125%
HK$52,156
baseline
▲ 0.50% · 4.625%
HK$55,330
+HK$3,174/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$104,312/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,599
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,064
−HK$1,485/mo
Today · 4.125%
HK$57,549
baseline
▲ 0.50% · 4.625%
HK$60,583
+HK$3,034/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$115,098/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,258
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,039
−HK$1,810/mo
Today · 4.125%
HK$60,849
baseline
▲ 0.50% · 4.625%
HK$64,551
+HK$3,702/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$121,698/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,699
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,408
−HK$1,733/mo
Today · 4.125%
HK$67,141
baseline
▲ 0.50% · 4.625%
HK$70,680
+HK$3,539/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$134,282/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,618
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$75,908
−HK$2,326/mo
Today · 4.125%
HK$78,234
baseline
▲ 0.50% · 4.625%
HK$82,995
+HK$4,761/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$156,468/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,899
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,096
−HK$2,228/mo
Today · 4.125%
HK$86,324
baseline
▲ 0.50% · 4.625%
HK$90,874
+HK$4,550/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$172,648/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,602 · Scale 2, in force from 26 Feb 2026)