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$40,968
−HK$2,569/mo
▼ 0.25% · 3.875%
HK$42,243
−HK$1,294/mo
Today · 4.125%
HK$43,537
baseline
▲ 0.50% · 4.625%
HK$46,186
+HK$2,649/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$87,074/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$673,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,577
−HK$2,462/mo
▼ 0.25% · 3.875%
HK$46,799
−HK$1,240/mo
Today · 4.125%
HK$48,039
baseline
▲ 0.50% · 4.625%
HK$50,571
+HK$2,532/mo
Deposit HK$8.98M · loan HK$8.98M · min. income ≈ HK$96,078/mo (50% DSR)
Upfront cash ≈ HK$9.66M (deposit + AVD stamp duty HK$673,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,162
−HK$3,083/mo
▼ 0.25% · 3.875%
HK$50,691
−HK$1,554/mo
Today · 4.125%
HK$52,245
baseline
▲ 0.50% · 4.625%
HK$55,424
+HK$3,179/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$104,490/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,692
−HK$2,955/mo
▼ 0.25% · 3.875%
HK$56,159
−HK$1,488/mo
Today · 4.125%
HK$57,647
baseline
▲ 0.50% · 4.625%
HK$60,686
+HK$3,039/mo
Deposit HK$7.19M · loan HK$10.78M · min. income ≈ HK$115,294/mo (50% DSR)
Upfront cash ≈ HK$7.86M (deposit + AVD stamp duty HK$673,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,355
−HK$3,597/mo
▼ 0.25% · 3.875%
HK$59,140
−HK$1,812/mo
Today · 4.125%
HK$60,952
baseline
▲ 0.50% · 4.625%
HK$64,661
+HK$3,709/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$121,904/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,807
−HK$3,448/mo
▼ 0.25% · 3.875%
HK$65,519
−HK$1,736/mo
Today · 4.125%
HK$67,255
baseline
▲ 0.50% · 4.625%
HK$70,800
+HK$3,545/mo
Deposit HK$5.39M · loan HK$12.58M · min. income ≈ HK$134,510/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,743
−HK$4,624/mo
▼ 0.25% · 3.875%
HK$76,037
−HK$2,330/mo
Today · 4.125%
HK$78,367
baseline
▲ 0.50% · 4.625%
HK$83,135
+HK$4,768/mo
Deposit HK$1.80M · loan HK$16.17M · min. income ≈ HK$156,734/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,743 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,038
−HK$4,432/mo
▼ 0.25% · 3.875%
HK$84,238
−HK$2,232/mo
Today · 4.125%
HK$86,470
baseline
▲ 0.50% · 4.625%
HK$91,028
+HK$4,558/mo
Deposit HK$1.80M · loan HK$16.17M · min. income ≈ HK$172,940/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,743 · Scale 2, in force from 26 Feb 2026)