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$40,927
−HK$2,567/mo
▼ 0.25% · 3.875%
HK$42,200
−HK$1,294/mo
Today · 4.125%
HK$43,494
baseline
▲ 0.50% · 4.625%
HK$46,140
+HK$2,646/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$86,988/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,531
−HK$2,460/mo
▼ 0.25% · 3.875%
HK$46,752
−HK$1,239/mo
Today · 4.125%
HK$47,991
baseline
▲ 0.50% · 4.625%
HK$50,521
+HK$2,530/mo
Deposit HK$8.97M · loan HK$8.97M · min. income ≈ HK$95,982/mo (50% DSR)
Upfront cash ≈ HK$9.65M (deposit + AVD stamp duty HK$673,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,113
−HK$3,079/mo
▼ 0.25% · 3.875%
HK$50,640
−HK$1,552/mo
Today · 4.125%
HK$52,192
baseline
▲ 0.50% · 4.625%
HK$55,368
+HK$3,176/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$104,384/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$673,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,637
−HK$2,952/mo
▼ 0.25% · 3.875%
HK$56,103
−HK$1,486/mo
Today · 4.125%
HK$57,589
baseline
▲ 0.50% · 4.625%
HK$60,625
+HK$3,036/mo
Deposit HK$7.18M · loan HK$10.77M · min. income ≈ HK$115,178/mo (50% DSR)
Upfront cash ≈ HK$7.85M (deposit + AVD stamp duty HK$673,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,298
−HK$3,593/mo
▼ 0.25% · 3.875%
HK$59,080
−HK$1,811/mo
Today · 4.125%
HK$60,891
baseline
▲ 0.50% · 4.625%
HK$64,596
+HK$3,705/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$121,782/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,743
−HK$3,444/mo
▼ 0.25% · 3.875%
HK$65,453
−HK$1,734/mo
Today · 4.125%
HK$67,187
baseline
▲ 0.50% · 4.625%
HK$70,729
+HK$3,542/mo
Deposit HK$5.38M · loan HK$12.56M · min. income ≈ HK$134,374/mo (50% DSR)
Upfront cash ≈ HK$6.06M (deposit + AVD stamp duty HK$673,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,669
−HK$4,619/mo
▼ 0.25% · 3.875%
HK$75,960
−HK$2,328/mo
Today · 4.125%
HK$78,288
baseline
▲ 0.50% · 4.625%
HK$83,052
+HK$4,764/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$156,576/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,956
−HK$4,428/mo
▼ 0.25% · 3.875%
HK$84,154
−HK$2,230/mo
Today · 4.125%
HK$86,384
baseline
▲ 0.50% · 4.625%
HK$90,937
+HK$4,553/mo
Deposit HK$1.79M · loan HK$16.15M · min. income ≈ HK$172,768/mo (50% DSR)
Upfront cash ≈ HK$2.47M (deposit + AVD stamp duty HK$673,068 · Scale 2, in force from 26 Feb 2026)