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$40,892
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,164
−HK$1,292/mo
Today · 4.125%
HK$43,456
baseline
▲ 0.50% · 4.625%
HK$46,101
+HK$2,645/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,912/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,492
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,712
−HK$1,238/mo
Today · 4.125%
HK$47,950
baseline
▲ 0.50% · 4.625%
HK$50,477
+HK$2,527/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,900/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,071
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,597
−HK$1,551/mo
Today · 4.125%
HK$52,148
baseline
▲ 0.50% · 4.625%
HK$55,321
+HK$3,173/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$104,296/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,590
−HK$2,950/mo
▼ 0.25% · 3.875%
HK$56,055
−HK$1,485/mo
Today · 4.125%
HK$57,540
baseline
▲ 0.50% · 4.625%
HK$60,573
+HK$3,033/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$115,080/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,249
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,030
−HK$1,809/mo
Today · 4.125%
HK$60,839
baseline
▲ 0.50% · 4.625%
HK$64,541
+HK$3,702/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$121,678/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,689
−HK$3,441/mo
▼ 0.25% · 3.875%
HK$65,397
−HK$1,733/mo
Today · 4.125%
HK$67,130
baseline
▲ 0.50% · 4.625%
HK$70,668
+HK$3,538/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$134,260/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,606
−HK$4,616/mo
▼ 0.25% · 3.875%
HK$75,895
−HK$2,327/mo
Today · 4.125%
HK$78,222
baseline
▲ 0.50% · 4.625%
HK$82,981
+HK$4,759/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$156,444/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,493 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,886
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$84,082
−HK$2,228/mo
Today · 4.125%
HK$86,310
baseline
▲ 0.50% · 4.625%
HK$90,859
+HK$4,549/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$172,620/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,493 · Scale 2, in force from 26 Feb 2026)