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$42,099
−HK$1,291/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$671,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,422
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,640
−HK$1,236/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$671,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,995
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$50,519
−HK$1,548/mo
Today · 4.125%
HK$52,067
baseline
▲ 0.50% · 4.625%
HK$55,236
+HK$3,169/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$104,134/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,506
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,968
−HK$1,483/mo
Today · 4.125%
HK$57,451
baseline
▲ 0.50% · 4.625%
HK$60,480
+HK$3,029/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$114,902/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,161
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$58,939
−HK$1,806/mo
Today · 4.125%
HK$60,745
baseline
▲ 0.50% · 4.625%
HK$64,442
+HK$3,697/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$121,490/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,591
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,296
−HK$1,730/mo
Today · 4.125%
HK$67,026
baseline
▲ 0.50% · 4.625%
HK$70,560
+HK$3,534/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$134,052/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,493
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$75,779
−HK$2,322/mo
Today · 4.125%
HK$78,101
baseline
▲ 0.50% · 4.625%
HK$82,853
+HK$4,752/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$156,202/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,760
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$83,952
−HK$2,225/mo
Today · 4.125%
HK$86,177
baseline
▲ 0.50% · 4.625%
HK$90,719
+HK$4,542/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$172,354/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,457 · Scale 2, in force from 26 Feb 2026)