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$40,829
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,100
−HK$1,290/mo
Today · 4.125%
HK$43,390
baseline
▲ 0.50% · 4.625%
HK$46,030
+HK$2,640/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$86,780/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,422
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,641
−HK$1,235/mo
Today · 4.125%
HK$47,876
baseline
▲ 0.50% · 4.625%
HK$50,400
+HK$2,524/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$95,752/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,995
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,519
−HK$1,549/mo
Today · 4.125%
HK$52,068
baseline
▲ 0.50% · 4.625%
HK$55,236
+HK$3,168/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$104,136/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,507
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,969
−HK$1,483/mo
Today · 4.125%
HK$57,452
baseline
▲ 0.50% · 4.625%
HK$60,480
+HK$3,028/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$114,904/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,161
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,939
−HK$1,807/mo
Today · 4.125%
HK$60,746
baseline
▲ 0.50% · 4.625%
HK$64,442
+HK$3,696/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$121,492/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,591
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,297
−HK$1,730/mo
Today · 4.125%
HK$67,027
baseline
▲ 0.50% · 4.625%
HK$70,560
+HK$3,533/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$134,054/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,493
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$75,779
−HK$2,323/mo
Today · 4.125%
HK$78,102
baseline
▲ 0.50% · 4.625%
HK$82,854
+HK$4,752/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$156,204/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,463 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,760
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$83,953
−HK$2,225/mo
Today · 4.125%
HK$86,178
baseline
▲ 0.50% · 4.625%
HK$90,720
+HK$4,542/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$172,356/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,463 · Scale 2, in force from 26 Feb 2026)