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$40,867
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,138
−HK$1,292/mo
Today · 4.125%
HK$43,430
baseline
▲ 0.50% · 4.625%
HK$46,072
+HK$2,642/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,860/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$672,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,464
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,683
−HK$1,237/mo
Today · 4.125%
HK$47,920
baseline
▲ 0.50% · 4.625%
HK$50,446
+HK$2,526/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,840/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$672,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,040
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,566
−HK$1,550/mo
Today · 4.125%
HK$52,116
baseline
▲ 0.50% · 4.625%
HK$55,287
+HK$3,171/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$104,232/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,557
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,020
−HK$1,485/mo
Today · 4.125%
HK$57,505
baseline
▲ 0.50% · 4.625%
HK$60,536
+HK$3,031/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$115,010/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,214
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$58,994
−HK$1,808/mo
Today · 4.125%
HK$60,802
baseline
▲ 0.50% · 4.625%
HK$64,501
+HK$3,699/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$121,604/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,650
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,357
−HK$1,732/mo
Today · 4.125%
HK$67,089
baseline
▲ 0.50% · 4.625%
HK$70,625
+HK$3,536/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$134,178/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,561
−HK$4,613/mo
▼ 0.25% · 3.875%
HK$75,849
−HK$2,325/mo
Today · 4.125%
HK$78,174
baseline
▲ 0.50% · 4.625%
HK$82,930
+HK$4,756/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$156,348/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$672,080 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,835
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$84,030
−HK$2,227/mo
Today · 4.125%
HK$86,257
baseline
▲ 0.50% · 4.625%
HK$90,804
+HK$4,547/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$172,514/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$672,080 · Scale 2, in force from 26 Feb 2026)