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$40,889
−HK$2,564/mo
▼ 0.25% · 3.875%
HK$42,161
−HK$1,292/mo
Today · 4.125%
HK$43,453
baseline
▲ 0.50% · 4.625%
HK$46,097
+HK$2,644/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,906/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,489
−HK$2,458/mo
▼ 0.25% · 3.875%
HK$46,709
−HK$1,238/mo
Today · 4.125%
HK$47,947
baseline
▲ 0.50% · 4.625%
HK$50,474
+HK$2,527/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,894/mo (50% DSR)
Upfront cash ≈ HK$9.64M (deposit + AVD stamp duty HK$672,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,067
−HK$3,077/mo
▼ 0.25% · 3.875%
HK$50,593
−HK$1,551/mo
Today · 4.125%
HK$52,144
baseline
▲ 0.50% · 4.625%
HK$55,317
+HK$3,173/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$104,288/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,587
−HK$2,949/mo
▼ 0.25% · 3.875%
HK$56,051
−HK$1,485/mo
Today · 4.125%
HK$57,536
baseline
▲ 0.50% · 4.625%
HK$60,569
+HK$3,033/mo
Deposit HK$7.17M · loan HK$10.76M · min. income ≈ HK$115,072/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$672,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,245
−HK$3,590/mo
▼ 0.25% · 3.875%
HK$59,026
−HK$1,809/mo
Today · 4.125%
HK$60,835
baseline
▲ 0.50% · 4.625%
HK$64,536
+HK$3,701/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$121,670/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,685
−HK$3,440/mo
▼ 0.25% · 3.875%
HK$65,392
−HK$1,733/mo
Today · 4.125%
HK$67,125
baseline
▲ 0.50% · 4.625%
HK$70,663
+HK$3,538/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$134,250/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,601
−HK$4,615/mo
▼ 0.25% · 3.875%
HK$75,890
−HK$2,326/mo
Today · 4.125%
HK$78,216
baseline
▲ 0.50% · 4.625%
HK$82,975
+HK$4,759/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$156,432/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,880
−HK$4,424/mo
▼ 0.25% · 3.875%
HK$84,076
−HK$2,228/mo
Today · 4.125%
HK$86,304
baseline
▲ 0.50% · 4.625%
HK$90,853
+HK$4,549/mo
Deposit HK$1.79M · loan HK$16.14M · min. income ≈ HK$172,608/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$672,446 · Scale 2, in force from 26 Feb 2026)