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$40,800
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,069
−HK$1,289/mo
Today · 4.125%
HK$43,358
baseline
▲ 0.50% · 4.625%
HK$45,997
+HK$2,639/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$86,716/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$670,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,389
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,607
−HK$1,235/mo
Today · 4.125%
HK$47,842
baseline
▲ 0.50% · 4.625%
HK$50,363
+HK$2,521/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$95,684/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$670,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,960
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$50,483
−HK$1,547/mo
Today · 4.125%
HK$52,030
baseline
▲ 0.50% · 4.625%
HK$55,196
+HK$3,166/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$104,060/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$670,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,467
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$55,928
−HK$1,482/mo
Today · 4.125%
HK$57,410
baseline
▲ 0.50% · 4.625%
HK$60,436
+HK$3,026/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$114,820/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$670,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,120
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,896
−HK$1,806/mo
Today · 4.125%
HK$60,702
baseline
▲ 0.50% · 4.625%
HK$64,395
+HK$3,693/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$121,404/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,545
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,249
−HK$1,729/mo
Today · 4.125%
HK$66,978
baseline
▲ 0.50% · 4.625%
HK$70,509
+HK$3,531/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$133,956/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,440
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$75,724
−HK$2,321/mo
Today · 4.125%
HK$78,045
baseline
▲ 0.50% · 4.625%
HK$82,794
+HK$4,749/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$156,090/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,974 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,701
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$83,892
−HK$2,223/mo
Today · 4.125%
HK$86,115
baseline
▲ 0.50% · 4.625%
HK$90,654
+HK$4,539/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$172,230/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,974 · Scale 2, in force from 26 Feb 2026)