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$40,824
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,094
−HK$1,291/mo
Today · 4.125%
HK$43,385
baseline
▲ 0.50% · 4.625%
HK$46,024
+HK$2,639/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$86,770/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,417
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,635
−HK$1,236/mo
Today · 4.125%
HK$47,871
baseline
▲ 0.50% · 4.625%
HK$50,394
+HK$2,523/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$95,742/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,989
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$50,513
−HK$1,548/mo
Today · 4.125%
HK$52,061
baseline
▲ 0.50% · 4.625%
HK$55,229
+HK$3,168/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$104,122/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,500
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,962
−HK$1,483/mo
Today · 4.125%
HK$57,445
baseline
▲ 0.50% · 4.625%
HK$60,473
+HK$3,028/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$114,890/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,154
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$58,932
−HK$1,806/mo
Today · 4.125%
HK$60,738
baseline
▲ 0.50% · 4.625%
HK$64,434
+HK$3,696/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$121,476/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,584
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,289
−HK$1,730/mo
Today · 4.125%
HK$67,019
baseline
▲ 0.50% · 4.625%
HK$70,551
+HK$3,532/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$134,038/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,484
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$75,770
−HK$2,322/mo
Today · 4.125%
HK$78,092
baseline
▲ 0.50% · 4.625%
HK$82,844
+HK$4,752/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$156,184/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,380 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,750
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$83,943
−HK$2,224/mo
Today · 4.125%
HK$86,167
baseline
▲ 0.50% · 4.625%
HK$90,709
+HK$4,542/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$172,334/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,380 · Scale 2, in force from 26 Feb 2026)