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$40,866
−HK$2,563/mo
▼ 0.25% · 3.875%
HK$42,137
−HK$1,292/mo
Today · 4.125%
HK$43,429
baseline
▲ 0.50% · 4.625%
HK$46,071
+HK$2,642/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$86,858/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$672,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,463
−HK$2,456/mo
▼ 0.25% · 3.875%
HK$46,682
−HK$1,237/mo
Today · 4.125%
HK$47,919
baseline
▲ 0.50% · 4.625%
HK$50,445
+HK$2,526/mo
Deposit HK$8.96M · loan HK$8.96M · min. income ≈ HK$95,838/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$672,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,039
−HK$3,075/mo
▼ 0.25% · 3.875%
HK$50,565
−HK$1,549/mo
Today · 4.125%
HK$52,114
baseline
▲ 0.50% · 4.625%
HK$55,285
+HK$3,171/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$104,228/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,556
−HK$2,947/mo
▼ 0.25% · 3.875%
HK$56,019
−HK$1,484/mo
Today · 4.125%
HK$57,503
baseline
▲ 0.50% · 4.625%
HK$60,534
+HK$3,031/mo
Deposit HK$7.17M · loan HK$10.75M · min. income ≈ HK$115,006/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$672,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,212
−HK$3,588/mo
▼ 0.25% · 3.875%
HK$58,992
−HK$1,808/mo
Today · 4.125%
HK$60,800
baseline
▲ 0.50% · 4.625%
HK$64,500
+HK$3,700/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$121,600/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,648
−HK$3,439/mo
▼ 0.25% · 3.875%
HK$65,355
−HK$1,732/mo
Today · 4.125%
HK$67,087
baseline
▲ 0.50% · 4.625%
HK$70,623
+HK$3,536/mo
Deposit HK$5.38M · loan HK$12.55M · min. income ≈ HK$134,174/mo (50% DSR)
Upfront cash ≈ HK$6.05M (deposit + AVD stamp duty HK$672,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,559
−HK$4,612/mo
▼ 0.25% · 3.875%
HK$75,847
−HK$2,324/mo
Today · 4.125%
HK$78,171
baseline
▲ 0.50% · 4.625%
HK$82,928
+HK$4,757/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$156,342/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$672,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,833
−HK$4,422/mo
▼ 0.25% · 3.875%
HK$84,028
−HK$2,227/mo
Today · 4.125%
HK$86,255
baseline
▲ 0.50% · 4.625%
HK$90,801
+HK$4,546/mo
Deposit HK$1.79M · loan HK$16.13M · min. income ≈ HK$172,510/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$672,062 · Scale 2, in force from 26 Feb 2026)