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$40,802
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,071
−HK$1,290/mo
Today · 4.125%
HK$43,361
baseline
▲ 0.50% · 4.625%
HK$45,999
+HK$2,638/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$86,722/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,392
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,609
−HK$1,235/mo
Today · 4.125%
HK$47,844
baseline
▲ 0.50% · 4.625%
HK$50,366
+HK$2,522/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$95,688/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,963
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$50,486
−HK$1,547/mo
Today · 4.125%
HK$52,033
baseline
▲ 0.50% · 4.625%
HK$55,199
+HK$3,166/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$104,066/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,470
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$55,931
−HK$1,482/mo
Today · 4.125%
HK$57,413
baseline
▲ 0.50% · 4.625%
HK$60,440
+HK$3,027/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$114,826/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,123
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,900
−HK$1,805/mo
Today · 4.125%
HK$60,705
baseline
▲ 0.50% · 4.625%
HK$64,399
+HK$3,694/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$121,410/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,549
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,253
−HK$1,729/mo
Today · 4.125%
HK$66,982
baseline
▲ 0.50% · 4.625%
HK$70,513
+HK$3,531/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$133,964/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,444
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$75,728
−HK$2,322/mo
Today · 4.125%
HK$78,050
baseline
▲ 0.50% · 4.625%
HK$82,799
+HK$4,749/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$156,100/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,014 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,706
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$83,897
−HK$2,223/mo
Today · 4.125%
HK$86,120
baseline
▲ 0.50% · 4.625%
HK$90,659
+HK$4,539/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$172,240/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,014 · Scale 2, in force from 26 Feb 2026)