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$40,795
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,064
−HK$1,290/mo
Today · 4.125%
HK$43,354
baseline
▲ 0.50% · 4.625%
HK$45,992
+HK$2,638/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$86,708/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$670,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,384
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,602
−HK$1,234/mo
Today · 4.125%
HK$47,836
baseline
▲ 0.50% · 4.625%
HK$50,358
+HK$2,522/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$95,672/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$670,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,954
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$50,477
−HK$1,547/mo
Today · 4.125%
HK$52,024
baseline
▲ 0.50% · 4.625%
HK$55,190
+HK$3,166/mo
Deposit HK$7.16M · loan HK$10.73M · min. income ≈ HK$104,048/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$670,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,461
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$55,922
−HK$1,482/mo
Today · 4.125%
HK$57,404
baseline
▲ 0.50% · 4.625%
HK$60,429
+HK$3,025/mo
Deposit HK$7.16M · loan HK$10.73M · min. income ≈ HK$114,808/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$670,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,113
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,890
−HK$1,805/mo
Today · 4.125%
HK$60,695
baseline
▲ 0.50% · 4.625%
HK$64,388
+HK$3,693/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$121,390/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,538
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,242
−HK$1,729/mo
Today · 4.125%
HK$66,971
baseline
▲ 0.50% · 4.625%
HK$70,501
+HK$3,530/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$133,942/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,432
−HK$4,604/mo
▼ 0.25% · 3.875%
HK$75,716
−HK$2,320/mo
Today · 4.125%
HK$78,036
baseline
▲ 0.50% · 4.625%
HK$82,785
+HK$4,749/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$156,072/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,901 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,692
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$83,883
−HK$2,223/mo
Today · 4.125%
HK$86,106
baseline
▲ 0.50% · 4.625%
HK$90,644
+HK$4,538/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$172,212/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,901 · Scale 2, in force from 26 Feb 2026)