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$40,822
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,092
−HK$1,290/mo
Today · 4.125%
HK$43,382
baseline
▲ 0.50% · 4.625%
HK$46,022
+HK$2,640/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$86,764/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,414
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,632
−HK$1,236/mo
Today · 4.125%
HK$47,868
baseline
▲ 0.50% · 4.625%
HK$50,391
+HK$2,523/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$95,736/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,986
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$50,510
−HK$1,548/mo
Today · 4.125%
HK$52,058
baseline
▲ 0.50% · 4.625%
HK$55,226
+HK$3,168/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$104,116/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,497
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$55,958
−HK$1,483/mo
Today · 4.125%
HK$57,441
baseline
▲ 0.50% · 4.625%
HK$60,469
+HK$3,028/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$114,882/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,151
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$58,928
−HK$1,807/mo
Today · 4.125%
HK$60,735
baseline
▲ 0.50% · 4.625%
HK$64,430
+HK$3,695/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$121,470/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,580
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,285
−HK$1,730/mo
Today · 4.125%
HK$67,015
baseline
▲ 0.50% · 4.625%
HK$70,547
+HK$3,532/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$134,030/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,480
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$75,765
−HK$2,322/mo
Today · 4.125%
HK$78,087
baseline
▲ 0.50% · 4.625%
HK$82,839
+HK$4,752/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$156,174/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,339 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,745
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$83,938
−HK$2,224/mo
Today · 4.125%
HK$86,162
baseline
▲ 0.50% · 4.625%
HK$90,703
+HK$4,541/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$172,324/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,339 · Scale 2, in force from 26 Feb 2026)