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$40,857
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,128
−HK$1,291/mo
Today · 4.125%
HK$43,419
baseline
▲ 0.50% · 4.625%
HK$46,061
+HK$2,642/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,838/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,453
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,672
−HK$1,236/mo
Today · 4.125%
HK$47,908
baseline
▲ 0.50% · 4.625%
HK$50,434
+HK$2,526/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,816/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,028
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,553
−HK$1,550/mo
Today · 4.125%
HK$52,103
baseline
▲ 0.50% · 4.625%
HK$55,273
+HK$3,170/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$104,206/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,543
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$56,006
−HK$1,484/mo
Today · 4.125%
HK$57,490
baseline
▲ 0.50% · 4.625%
HK$60,520
+HK$3,030/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$114,980/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,199
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,979
−HK$1,807/mo
Today · 4.125%
HK$60,786
baseline
▲ 0.50% · 4.625%
HK$64,485
+HK$3,699/mo
Deposit HK$5.38M · loan HK$12.54M · min. income ≈ HK$121,572/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$671,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,634
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,340
−HK$1,732/mo
Today · 4.125%
HK$67,072
baseline
▲ 0.50% · 4.625%
HK$70,607
+HK$3,535/mo
Deposit HK$5.38M · loan HK$12.54M · min. income ≈ HK$134,144/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$671,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,542
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$75,830
−HK$2,324/mo
Today · 4.125%
HK$78,154
baseline
▲ 0.50% · 4.625%
HK$82,909
+HK$4,755/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$156,308/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,815
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$84,009
−HK$2,226/mo
Today · 4.125%
HK$86,235
baseline
▲ 0.50% · 4.625%
HK$90,781
+HK$4,546/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$172,470/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,910 · Scale 2, in force from 26 Feb 2026)