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$40,838
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,108
−HK$1,291/mo
Today · 4.125%
HK$43,399
baseline
▲ 0.50% · 4.625%
HK$46,039
+HK$2,640/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$86,798/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,432
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,650
−HK$1,236/mo
Today · 4.125%
HK$47,886
baseline
▲ 0.50% · 4.625%
HK$50,410
+HK$2,524/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$95,772/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,005
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,530
−HK$1,548/mo
Today · 4.125%
HK$52,078
baseline
▲ 0.50% · 4.625%
HK$55,247
+HK$3,169/mo
Deposit HK$7.16M · loan HK$10.75M · min. income ≈ HK$104,156/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,518
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,980
−HK$1,483/mo
Today · 4.125%
HK$57,463
baseline
▲ 0.50% · 4.625%
HK$60,492
+HK$3,029/mo
Deposit HK$7.16M · loan HK$10.75M · min. income ≈ HK$114,926/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,173
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,951
−HK$1,807/mo
Today · 4.125%
HK$60,758
baseline
▲ 0.50% · 4.625%
HK$64,455
+HK$3,697/mo
Deposit HK$5.37M · loan HK$12.54M · min. income ≈ HK$121,516/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,604
−HK$3,437/mo
▼ 0.25% · 3.875%
HK$65,310
−HK$1,731/mo
Today · 4.125%
HK$67,041
baseline
▲ 0.50% · 4.625%
HK$70,575
+HK$3,534/mo
Deposit HK$5.37M · loan HK$12.54M · min. income ≈ HK$134,082/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,508
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$75,795
−HK$2,323/mo
Today · 4.125%
HK$78,118
baseline
▲ 0.50% · 4.625%
HK$82,871
+HK$4,753/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$156,236/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,600 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,777
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$83,970
−HK$2,225/mo
Today · 4.125%
HK$86,195
baseline
▲ 0.50% · 4.625%
HK$90,739
+HK$4,544/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$172,390/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,600 · Scale 2, in force from 26 Feb 2026)