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$40,876
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,148
−HK$1,291/mo
Today · 4.125%
HK$43,439
baseline
▲ 0.50% · 4.625%
HK$46,083
+HK$2,644/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,878/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,474
−HK$2,457/mo
▼ 0.25% · 3.875%
HK$46,694
−HK$1,237/mo
Today · 4.125%
HK$47,931
baseline
▲ 0.50% · 4.625%
HK$50,458
+HK$2,527/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,862/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,051
−HK$3,076/mo
▼ 0.25% · 3.875%
HK$50,577
−HK$1,550/mo
Today · 4.125%
HK$52,127
baseline
▲ 0.50% · 4.625%
HK$55,299
+HK$3,172/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$104,254/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,569
−HK$2,948/mo
▼ 0.25% · 3.875%
HK$56,033
−HK$1,484/mo
Today · 4.125%
HK$57,517
baseline
▲ 0.50% · 4.625%
HK$60,549
+HK$3,032/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$115,034/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,227
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$59,007
−HK$1,808/mo
Today · 4.125%
HK$60,815
baseline
▲ 0.50% · 4.625%
HK$64,516
+HK$3,701/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$121,630/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,664
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,371
−HK$1,732/mo
Today · 4.125%
HK$67,103
baseline
▲ 0.50% · 4.625%
HK$70,641
+HK$3,538/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$134,206/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,577
−HK$4,614/mo
▼ 0.25% · 3.875%
HK$75,866
−HK$2,325/mo
Today · 4.125%
HK$78,191
baseline
▲ 0.50% · 4.625%
HK$82,949
+HK$4,758/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$156,382/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$672,229 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,854
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$84,049
−HK$2,227/mo
Today · 4.125%
HK$86,276
baseline
▲ 0.50% · 4.625%
HK$90,824
+HK$4,548/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$172,552/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$672,229 · Scale 2, in force from 26 Feb 2026)