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$40,828
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,098
−HK$1,291/mo
Today · 4.125%
HK$43,389
baseline
▲ 0.50% · 4.625%
HK$46,029
+HK$2,640/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$86,778/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,421
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,639
−HK$1,236/mo
Today · 4.125%
HK$47,875
baseline
▲ 0.50% · 4.625%
HK$50,399
+HK$2,524/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$95,750/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,994
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$50,518
−HK$1,548/mo
Today · 4.125%
HK$52,066
baseline
▲ 0.50% · 4.625%
HK$55,235
+HK$3,169/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$104,132/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,505
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,967
−HK$1,483/mo
Today · 4.125%
HK$57,450
baseline
▲ 0.50% · 4.625%
HK$60,478
+HK$3,028/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$114,900/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,160
−HK$3,584/mo
▼ 0.25% · 3.875%
HK$58,938
−HK$1,806/mo
Today · 4.125%
HK$60,744
baseline
▲ 0.50% · 4.625%
HK$64,440
+HK$3,696/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$121,488/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,590
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,295
−HK$1,730/mo
Today · 4.125%
HK$67,025
baseline
▲ 0.50% · 4.625%
HK$70,558
+HK$3,533/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$134,050/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,491
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$75,777
−HK$2,323/mo
Today · 4.125%
HK$78,100
baseline
▲ 0.50% · 4.625%
HK$82,852
+HK$4,752/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$156,200/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,445 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,758
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$83,951
−HK$2,224/mo
Today · 4.125%
HK$86,175
baseline
▲ 0.50% · 4.625%
HK$90,718
+HK$4,543/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$172,350/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,445 · Scale 2, in force from 26 Feb 2026)