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$40,855
−HK$2,562/mo
▼ 0.25% · 3.875%
HK$42,126
−HK$1,291/mo
Today · 4.125%
HK$43,417
baseline
▲ 0.50% · 4.625%
HK$46,059
+HK$2,642/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,834/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,451
−HK$2,455/mo
▼ 0.25% · 3.875%
HK$46,670
−HK$1,236/mo
Today · 4.125%
HK$47,906
baseline
▲ 0.50% · 4.625%
HK$50,431
+HK$2,525/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,812/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,026
−HK$3,074/mo
▼ 0.25% · 3.875%
HK$50,551
−HK$1,549/mo
Today · 4.125%
HK$52,100
baseline
▲ 0.50% · 4.625%
HK$55,270
+HK$3,170/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$104,200/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,541
−HK$2,946/mo
▼ 0.25% · 3.875%
HK$56,004
−HK$1,483/mo
Today · 4.125%
HK$57,487
baseline
▲ 0.50% · 4.625%
HK$60,518
+HK$3,031/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$114,974/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,197
−HK$3,587/mo
▼ 0.25% · 3.875%
HK$58,976
−HK$1,808/mo
Today · 4.125%
HK$60,784
baseline
▲ 0.50% · 4.625%
HK$64,482
+HK$3,698/mo
Deposit HK$5.38M · loan HK$12.54M · min. income ≈ HK$121,568/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$671,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,631
−HK$3,438/mo
▼ 0.25% · 3.875%
HK$65,337
−HK$1,732/mo
Today · 4.125%
HK$67,069
baseline
▲ 0.50% · 4.625%
HK$70,604
+HK$3,535/mo
Deposit HK$5.38M · loan HK$12.54M · min. income ≈ HK$134,138/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$671,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,539
−HK$4,611/mo
▼ 0.25% · 3.875%
HK$75,826
−HK$2,324/mo
Today · 4.125%
HK$78,150
baseline
▲ 0.50% · 4.625%
HK$82,906
+HK$4,756/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$156,300/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,881 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,811
−HK$4,420/mo
▼ 0.25% · 3.875%
HK$84,005
−HK$2,226/mo
Today · 4.125%
HK$86,231
baseline
▲ 0.50% · 4.625%
HK$90,777
+HK$4,546/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$172,462/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,881 · Scale 2, in force from 26 Feb 2026)