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$40,817
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,087
−HK$1,290/mo
Today · 4.125%
HK$43,377
baseline
▲ 0.50% · 4.625%
HK$46,016
+HK$2,639/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$86,754/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,409
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,627
−HK$1,235/mo
Today · 4.125%
HK$47,862
baseline
▲ 0.50% · 4.625%
HK$50,385
+HK$2,523/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$95,724/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,981
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$50,504
−HK$1,548/mo
Today · 4.125%
HK$52,052
baseline
▲ 0.50% · 4.625%
HK$55,220
+HK$3,168/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$104,104/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,491
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$55,952
−HK$1,483/mo
Today · 4.125%
HK$57,435
baseline
▲ 0.50% · 4.625%
HK$60,462
+HK$3,027/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$114,870/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,144
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$58,922
−HK$1,806/mo
Today · 4.125%
HK$60,728
baseline
▲ 0.50% · 4.625%
HK$64,423
+HK$3,695/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$121,456/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,572
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,277
−HK$1,730/mo
Today · 4.125%
HK$67,007
baseline
▲ 0.50% · 4.625%
HK$70,539
+HK$3,532/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$134,014/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,471
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$75,757
−HK$2,321/mo
Today · 4.125%
HK$78,078
baseline
▲ 0.50% · 4.625%
HK$82,829
+HK$4,751/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$156,156/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,262 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,736
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,928
−HK$2,224/mo
Today · 4.125%
HK$86,152
baseline
▲ 0.50% · 4.625%
HK$90,693
+HK$4,541/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$172,304/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,262 · Scale 2, in force from 26 Feb 2026)