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$40,823
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,093
−HK$1,290/mo
Today · 4.125%
HK$43,383
baseline
▲ 0.50% · 4.625%
HK$46,023
+HK$2,640/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$86,766/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,415
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,633
−HK$1,236/mo
Today · 4.125%
HK$47,869
baseline
▲ 0.50% · 4.625%
HK$50,392
+HK$2,523/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$95,738/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,988
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$50,512
−HK$1,548/mo
Today · 4.125%
HK$52,060
baseline
▲ 0.50% · 4.625%
HK$55,228
+HK$3,168/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$104,120/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,498
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,960
−HK$1,483/mo
Today · 4.125%
HK$57,443
baseline
▲ 0.50% · 4.625%
HK$60,471
+HK$3,028/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$114,886/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,152
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$58,930
−HK$1,806/mo
Today · 4.125%
HK$60,736
baseline
▲ 0.50% · 4.625%
HK$64,432
+HK$3,696/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$121,472/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,582
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,287
−HK$1,730/mo
Today · 4.125%
HK$67,017
baseline
▲ 0.50% · 4.625%
HK$70,549
+HK$3,532/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$134,034/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,482
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$75,767
−HK$2,323/mo
Today · 4.125%
HK$78,090
baseline
▲ 0.50% · 4.625%
HK$82,841
+HK$4,751/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$156,180/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,359 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,748
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,940
−HK$2,224/mo
Today · 4.125%
HK$86,164
baseline
▲ 0.50% · 4.625%
HK$90,706
+HK$4,542/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$172,328/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,359 · Scale 2, in force from 26 Feb 2026)