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$40,898
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,170
−HK$1,292/mo
Today · 4.125%
HK$43,462
baseline
▲ 0.50% · 4.625%
HK$46,107
+HK$2,645/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,924/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,498
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,719
−HK$1,238/mo
Today · 4.125%
HK$47,957
baseline
▲ 0.50% · 4.625%
HK$50,484
+HK$2,527/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,914/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,077
−HK$3,078/mo
▼ 0.25% · 3.875%
HK$50,604
−HK$1,551/mo
Today · 4.125%
HK$52,155
baseline
▲ 0.50% · 4.625%
HK$55,328
+HK$3,173/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$104,310/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,598
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,062
−HK$1,486/mo
Today · 4.125%
HK$57,548
baseline
▲ 0.50% · 4.625%
HK$60,581
+HK$3,033/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$115,096/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,257
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,038
−HK$1,809/mo
Today · 4.125%
HK$60,847
baseline
▲ 0.50% · 4.625%
HK$64,550
+HK$3,703/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$121,694/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,698
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,406
−HK$1,733/mo
Today · 4.125%
HK$67,139
baseline
▲ 0.50% · 4.625%
HK$70,678
+HK$3,539/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$134,278/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,616
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$75,906
−HK$2,326/mo
Today · 4.125%
HK$78,232
baseline
▲ 0.50% · 4.625%
HK$82,993
+HK$4,761/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$156,464/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,897
−HK$4,425/mo
▼ 0.25% · 3.875%
HK$84,094
−HK$2,228/mo
Today · 4.125%
HK$86,322
baseline
▲ 0.50% · 4.625%
HK$90,872
+HK$4,550/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$172,644/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,586 · Scale 2, in force from 26 Feb 2026)