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$40,797
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,066
−HK$1,289/mo
Today · 4.125%
HK$43,355
baseline
▲ 0.50% · 4.625%
HK$45,993
+HK$2,638/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$86,710/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$670,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,386
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,603
−HK$1,235/mo
Today · 4.125%
HK$47,838
baseline
▲ 0.50% · 4.625%
HK$50,360
+HK$2,522/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$95,676/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$670,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,956
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$50,479
−HK$1,547/mo
Today · 4.125%
HK$52,026
baseline
▲ 0.50% · 4.625%
HK$55,192
+HK$3,166/mo
Deposit HK$7.16M · loan HK$10.73M · min. income ≈ HK$104,052/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$670,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,463
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$55,924
−HK$1,482/mo
Today · 4.125%
HK$57,406
baseline
▲ 0.50% · 4.625%
HK$60,432
+HK$3,026/mo
Deposit HK$7.16M · loan HK$10.73M · min. income ≈ HK$114,812/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$670,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,116
−HK$3,581/mo
▼ 0.25% · 3.875%
HK$58,892
−HK$1,805/mo
Today · 4.125%
HK$60,697
baseline
▲ 0.50% · 4.625%
HK$64,391
+HK$3,694/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$121,394/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,541
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,245
−HK$1,729/mo
Today · 4.125%
HK$66,974
baseline
▲ 0.50% · 4.625%
HK$70,504
+HK$3,530/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$133,948/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,435
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$75,719
−HK$2,321/mo
Today · 4.125%
HK$78,040
baseline
▲ 0.50% · 4.625%
HK$82,788
+HK$4,748/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$156,080/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,928 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,695
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$83,886
−HK$2,223/mo
Today · 4.125%
HK$86,109
baseline
▲ 0.50% · 4.625%
HK$90,648
+HK$4,539/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$172,218/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,928 · Scale 2, in force from 26 Feb 2026)