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$40,908
−HK$2,565/mo
▼ 0.25% · 3.875%
HK$42,180
−HK$1,293/mo
Today · 4.125%
HK$43,473
baseline
▲ 0.50% · 4.625%
HK$46,118
+HK$2,645/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,946/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,510
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,730
−HK$1,238/mo
Today · 4.125%
HK$47,968
baseline
▲ 0.50% · 4.625%
HK$50,497
+HK$2,529/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,936/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,089
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,616
−HK$1,552/mo
Today · 4.125%
HK$52,168
baseline
▲ 0.50% · 4.625%
HK$55,342
+HK$3,174/mo
Deposit HK$7.18M · loan HK$10.76M · min. income ≈ HK$104,336/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,611
−HK$2,951/mo
▼ 0.25% · 3.875%
HK$56,076
−HK$1,486/mo
Today · 4.125%
HK$57,562
baseline
▲ 0.50% · 4.625%
HK$60,596
+HK$3,034/mo
Deposit HK$7.18M · loan HK$10.76M · min. income ≈ HK$115,124/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,271
−HK$3,591/mo
▼ 0.25% · 3.875%
HK$59,052
−HK$1,810/mo
Today · 4.125%
HK$60,862
baseline
▲ 0.50% · 4.625%
HK$64,566
+HK$3,704/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$121,724/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,713
−HK$3,443/mo
▼ 0.25% · 3.875%
HK$65,422
−HK$1,734/mo
Today · 4.125%
HK$67,156
baseline
▲ 0.50% · 4.625%
HK$70,695
+HK$3,539/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$134,312/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,634
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$75,925
−HK$2,327/mo
Today · 4.125%
HK$78,252
baseline
▲ 0.50% · 4.625%
HK$83,013
+HK$4,761/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$156,504/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,917
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$84,114
−HK$2,229/mo
Today · 4.125%
HK$86,343
baseline
▲ 0.50% · 4.625%
HK$90,894
+HK$4,551/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$172,686/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,751 · Scale 2, in force from 26 Feb 2026)