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$40,960
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$42,234
−HK$1,295/mo
Today · 4.125%
HK$43,529
baseline
▲ 0.50% · 4.625%
HK$46,177
+HK$2,648/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$87,058/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$673,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,568
−HK$2,461/mo
▼ 0.25% · 3.875%
HK$46,790
−HK$1,239/mo
Today · 4.125%
HK$48,029
baseline
▲ 0.50% · 4.625%
HK$50,561
+HK$2,532/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$96,058/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$673,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,152
−HK$3,082/mo
▼ 0.25% · 3.875%
HK$50,681
−HK$1,553/mo
Today · 4.125%
HK$52,234
baseline
▲ 0.50% · 4.625%
HK$55,413
+HK$3,179/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$104,468/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,681
−HK$2,954/mo
▼ 0.25% · 3.875%
HK$56,148
−HK$1,487/mo
Today · 4.125%
HK$57,635
baseline
▲ 0.50% · 4.625%
HK$60,673
+HK$3,038/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$115,270/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,344
−HK$3,596/mo
▼ 0.25% · 3.875%
HK$59,128
−HK$1,812/mo
Today · 4.125%
HK$60,940
baseline
▲ 0.50% · 4.625%
HK$64,648
+HK$3,708/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$121,880/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,795
−HK$3,446/mo
▼ 0.25% · 3.875%
HK$65,506
−HK$1,735/mo
Today · 4.125%
HK$67,241
baseline
▲ 0.50% · 4.625%
HK$70,786
+HK$3,545/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$134,482/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,728
−HK$4,623/mo
▼ 0.25% · 3.875%
HK$76,021
−HK$2,330/mo
Today · 4.125%
HK$78,351
baseline
▲ 0.50% · 4.625%
HK$83,119
+HK$4,768/mo
Deposit HK$1.80M · loan HK$16.17M · min. income ≈ HK$156,702/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,022
−HK$4,431/mo
▼ 0.25% · 3.875%
HK$84,221
−HK$2,232/mo
Today · 4.125%
HK$86,453
baseline
▲ 0.50% · 4.625%
HK$91,010
+HK$4,557/mo
Deposit HK$1.80M · loan HK$16.17M · min. income ≈ HK$172,906/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,609 · Scale 2, in force from 26 Feb 2026)