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$40,837
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,107
−HK$1,291/mo
Today · 4.125%
HK$43,398
baseline
▲ 0.50% · 4.625%
HK$46,038
+HK$2,640/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$86,796/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,431
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,649
−HK$1,236/mo
Today · 4.125%
HK$47,885
baseline
▲ 0.50% · 4.625%
HK$50,409
+HK$2,524/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$95,770/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,004
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,529
−HK$1,548/mo
Today · 4.125%
HK$52,077
baseline
▲ 0.50% · 4.625%
HK$55,246
+HK$3,169/mo
Deposit HK$7.16M · loan HK$10.75M · min. income ≈ HK$104,154/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,517
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,979
−HK$1,483/mo
Today · 4.125%
HK$57,462
baseline
▲ 0.50% · 4.625%
HK$60,491
+HK$3,029/mo
Deposit HK$7.16M · loan HK$10.75M · min. income ≈ HK$114,924/mo (50% DSR)
Upfront cash ≈ HK$7.84M (deposit + AVD stamp duty HK$671,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,172
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,950
−HK$1,807/mo
Today · 4.125%
HK$60,757
baseline
▲ 0.50% · 4.625%
HK$64,454
+HK$3,697/mo
Deposit HK$5.37M · loan HK$12.54M · min. income ≈ HK$121,514/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,603
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,309
−HK$1,730/mo
Today · 4.125%
HK$67,039
baseline
▲ 0.50% · 4.625%
HK$70,573
+HK$3,534/mo
Deposit HK$5.37M · loan HK$12.54M · min. income ≈ HK$134,078/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,507
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$75,793
−HK$2,323/mo
Today · 4.125%
HK$78,116
baseline
▲ 0.50% · 4.625%
HK$82,869
+HK$4,753/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$156,232/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,775
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$83,969
−HK$2,224/mo
Today · 4.125%
HK$86,193
baseline
▲ 0.50% · 4.625%
HK$90,737
+HK$4,544/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$172,386/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,586 · Scale 2, in force from 26 Feb 2026)