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$40,835
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,105
−HK$1,291/mo
Today · 4.125%
HK$43,396
baseline
▲ 0.50% · 4.625%
HK$46,037
+HK$2,641/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$86,792/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,429
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,647
−HK$1,236/mo
Today · 4.125%
HK$47,883
baseline
▲ 0.50% · 4.625%
HK$50,407
+HK$2,524/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$95,766/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,002
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,527
−HK$1,548/mo
Today · 4.125%
HK$52,075
baseline
▲ 0.50% · 4.625%
HK$55,244
+HK$3,169/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$104,150/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,515
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,977
−HK$1,483/mo
Today · 4.125%
HK$57,460
baseline
▲ 0.50% · 4.625%
HK$60,489
+HK$3,029/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$114,920/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,169
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,948
−HK$1,806/mo
Today · 4.125%
HK$60,754
baseline
▲ 0.50% · 4.625%
HK$64,451
+HK$3,697/mo
Deposit HK$5.37M · loan HK$12.54M · min. income ≈ HK$121,508/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,600
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,306
−HK$1,730/mo
Today · 4.125%
HK$67,036
baseline
▲ 0.50% · 4.625%
HK$70,570
+HK$3,534/mo
Deposit HK$5.37M · loan HK$12.54M · min. income ≈ HK$134,072/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,503
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$75,790
−HK$2,323/mo
Today · 4.125%
HK$78,113
baseline
▲ 0.50% · 4.625%
HK$82,866
+HK$4,753/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$156,226/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,558 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,772
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$83,965
−HK$2,225/mo
Today · 4.125%
HK$86,190
baseline
▲ 0.50% · 4.625%
HK$90,733
+HK$4,543/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$172,380/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,558 · Scale 2, in force from 26 Feb 2026)