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$40,966
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$42,240
−HK$1,295/mo
Today · 4.125%
HK$43,535
baseline
▲ 0.50% · 4.625%
HK$46,184
+HK$2,649/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$87,070/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$673,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,574
−HK$2,463/mo
▼ 0.25% · 3.875%
HK$46,797
−HK$1,240/mo
Today · 4.125%
HK$48,037
baseline
▲ 0.50% · 4.625%
HK$50,569
+HK$2,532/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$96,074/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$673,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,159
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,688
−HK$1,554/mo
Today · 4.125%
HK$52,242
baseline
▲ 0.50% · 4.625%
HK$55,421
+HK$3,179/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$104,484/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,689
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$56,156
−HK$1,488/mo
Today · 4.125%
HK$57,644
baseline
▲ 0.50% · 4.625%
HK$60,682
+HK$3,038/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$115,288/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,352
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,136
−HK$1,813/mo
Today · 4.125%
HK$60,949
baseline
▲ 0.50% · 4.625%
HK$64,658
+HK$3,709/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$121,898/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,804
−HK$3,447/mo
▼ 0.25% · 3.875%
HK$65,515
−HK$1,736/mo
Today · 4.125%
HK$67,251
baseline
▲ 0.50% · 4.625%
HK$70,796
+HK$3,545/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$134,502/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,739
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$76,033
−HK$2,330/mo
Today · 4.125%
HK$78,363
baseline
▲ 0.50% · 4.625%
HK$83,131
+HK$4,768/mo
Deposit HK$1.80M · loan HK$16.17M · min. income ≈ HK$156,726/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,034
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$84,234
−HK$2,232/mo
Today · 4.125%
HK$86,466
baseline
▲ 0.50% · 4.625%
HK$91,024
+HK$4,558/mo
Deposit HK$1.80M · loan HK$16.17M · min. income ≈ HK$172,932/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,709 · Scale 2, in force from 26 Feb 2026)