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$40,934
−HK$2,566/mo
▼ 0.25% · 3.875%
HK$42,207
−HK$1,293/mo
Today · 4.125%
HK$43,500
baseline
▲ 0.50% · 4.625%
HK$46,147
+HK$2,647/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$87,000/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,538
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$46,759
−HK$1,239/mo
Today · 4.125%
HK$47,998
baseline
▲ 0.50% · 4.625%
HK$50,528
+HK$2,530/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$95,996/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,120
−HK$3,080/mo
▼ 0.25% · 3.875%
HK$50,648
−HK$1,552/mo
Today · 4.125%
HK$52,200
baseline
▲ 0.50% · 4.625%
HK$55,377
+HK$3,177/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$104,400/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$673,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,646
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,111
−HK$1,487/mo
Today · 4.125%
HK$57,598
baseline
▲ 0.50% · 4.625%
HK$60,634
+HK$3,036/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$115,196/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$673,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,307
−HK$3,594/mo
▼ 0.25% · 3.875%
HK$59,089
−HK$1,812/mo
Today · 4.125%
HK$60,901
baseline
▲ 0.50% · 4.625%
HK$64,606
+HK$3,705/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$121,802/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,753
−HK$3,445/mo
▼ 0.25% · 3.875%
HK$65,463
−HK$1,735/mo
Today · 4.125%
HK$67,198
baseline
▲ 0.50% · 4.625%
HK$70,740
+HK$3,542/mo
Deposit HK$5.39M · loan HK$12.57M · min. income ≈ HK$134,396/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,680
−HK$4,621/mo
▼ 0.25% · 3.875%
HK$75,972
−HK$2,329/mo
Today · 4.125%
HK$78,301
baseline
▲ 0.50% · 4.625%
HK$83,065
+HK$4,764/mo
Deposit HK$1.80M · loan HK$16.16M · min. income ≈ HK$156,602/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,969
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$84,167
−HK$2,230/mo
Today · 4.125%
HK$86,397
baseline
▲ 0.50% · 4.625%
HK$90,951
+HK$4,554/mo
Deposit HK$1.80M · loan HK$16.16M · min. income ≈ HK$172,794/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,173 · Scale 2, in force from 26 Feb 2026)