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$40,910
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,183
−HK$1,293/mo
Today · 4.125%
HK$43,476
baseline
▲ 0.50% · 4.625%
HK$46,121
+HK$2,645/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,952/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,512
−HK$2,459/mo
▼ 0.25% · 3.875%
HK$46,733
−HK$1,238/mo
Today · 4.125%
HK$47,971
baseline
▲ 0.50% · 4.625%
HK$50,500
+HK$2,529/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,942/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,092
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,619
−HK$1,552/mo
Today · 4.125%
HK$52,171
baseline
▲ 0.50% · 4.625%
HK$55,345
+HK$3,174/mo
Deposit HK$7.18M · loan HK$10.76M · min. income ≈ HK$104,342/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,615
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,079
−HK$1,486/mo
Today · 4.125%
HK$57,565
baseline
▲ 0.50% · 4.625%
HK$60,600
+HK$3,035/mo
Deposit HK$7.18M · loan HK$10.76M · min. income ≈ HK$115,130/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,274
−HK$3,592/mo
▼ 0.25% · 3.875%
HK$59,056
−HK$1,810/mo
Today · 4.125%
HK$60,866
baseline
▲ 0.50% · 4.625%
HK$64,569
+HK$3,703/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$121,732/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$672,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,717
−HK$3,442/mo
▼ 0.25% · 3.875%
HK$65,426
−HK$1,733/mo
Today · 4.125%
HK$67,159
baseline
▲ 0.50% · 4.625%
HK$70,700
+HK$3,541/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$134,318/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$672,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,638
−HK$4,618/mo
▼ 0.25% · 3.875%
HK$75,929
−HK$2,327/mo
Today · 4.125%
HK$78,256
baseline
▲ 0.50% · 4.625%
HK$83,018
+HK$4,762/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$156,512/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,790 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,922
−HK$4,426/mo
▼ 0.25% · 3.875%
HK$84,119
−HK$2,229/mo
Today · 4.125%
HK$86,348
baseline
▲ 0.50% · 4.625%
HK$90,899
+HK$4,551/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$172,696/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,790 · Scale 2, in force from 26 Feb 2026)