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$40,883
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,155
−HK$1,292/mo
Today · 4.125%
HK$43,447
baseline
▲ 0.50% · 4.625%
HK$46,090
+HK$2,643/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,894/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,482
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,702
−HK$1,237/mo
Today · 4.125%
HK$47,939
baseline
▲ 0.50% · 4.625%
HK$50,466
+HK$2,527/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,878/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,060
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,586
−HK$1,550/mo
Today · 4.125%
HK$52,136
baseline
▲ 0.50% · 4.625%
HK$55,309
+HK$3,173/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$104,272/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,578
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,042
−HK$1,485/mo
Today · 4.125%
HK$57,527
baseline
▲ 0.50% · 4.625%
HK$60,559
+HK$3,032/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$115,054/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,236
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,017
−HK$1,809/mo
Today · 4.125%
HK$60,826
baseline
▲ 0.50% · 4.625%
HK$64,527
+HK$3,701/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$121,652/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,675
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,383
−HK$1,732/mo
Today · 4.125%
HK$67,115
baseline
▲ 0.50% · 4.625%
HK$70,653
+HK$3,538/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$134,230/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,590
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$75,879
−HK$2,325/mo
Today · 4.125%
HK$78,204
baseline
▲ 0.50% · 4.625%
HK$82,963
+HK$4,759/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$156,408/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,344 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,868
−HK$4,423/mo
▼ 0.25% · 3.875%
HK$84,063
−HK$2,228/mo
Today · 4.125%
HK$86,291
baseline
▲ 0.50% · 4.625%
HK$90,839
+HK$4,548/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$172,582/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,344 · Scale 2, in force from 26 Feb 2026)