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$40,863
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,134
−HK$1,292/mo
Today · 4.125%
HK$43,426
baseline
▲ 0.50% · 4.625%
HK$46,068
+HK$2,642/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,852/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$672,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,460
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,679
−HK$1,237/mo
Today · 4.125%
HK$47,916
baseline
▲ 0.50% · 4.625%
HK$50,442
+HK$2,526/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,832/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$672,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,036
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,561
−HK$1,550/mo
Today · 4.125%
HK$52,111
baseline
▲ 0.50% · 4.625%
HK$55,282
+HK$3,171/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$104,222/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,552
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$56,015
−HK$1,484/mo
Today · 4.125%
HK$57,499
baseline
▲ 0.50% · 4.625%
HK$60,530
+HK$3,031/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$114,998/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,208
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$58,988
−HK$1,808/mo
Today · 4.125%
HK$60,796
baseline
▲ 0.50% · 4.625%
HK$64,495
+HK$3,699/mo
Deposit HK$5.38M · loan HK$12.54M · min. income ≈ HK$121,592/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,644
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,351
−HK$1,731/mo
Today · 4.125%
HK$67,082
baseline
▲ 0.50% · 4.625%
HK$70,618
+HK$3,536/mo
Deposit HK$5.38M · loan HK$12.54M · min. income ≈ HK$134,164/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,554
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$75,842
−HK$2,324/mo
Today · 4.125%
HK$78,166
baseline
▲ 0.50% · 4.625%
HK$82,922
+HK$4,756/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$156,332/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$672,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,828
−HK$4,421/mo
▼ 0.25% · 3.875%
HK$84,022
−HK$2,227/mo
Today · 4.125%
HK$86,249
baseline
▲ 0.50% · 4.625%
HK$90,795
+HK$4,546/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$172,498/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$672,016 · Scale 2, in force from 26 Feb 2026)