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$40,811
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,080
−HK$1,290/mo
Today · 4.125%
HK$43,370
baseline
▲ 0.50% · 4.625%
HK$46,009
+HK$2,639/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$86,740/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,401
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,619
−HK$1,235/mo
Today · 4.125%
HK$47,854
baseline
▲ 0.50% · 4.625%
HK$50,377
+HK$2,523/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$95,708/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,973
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$50,496
−HK$1,548/mo
Today · 4.125%
HK$52,044
baseline
▲ 0.50% · 4.625%
HK$55,210
+HK$3,166/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$104,088/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,482
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$55,943
−HK$1,482/mo
Today · 4.125%
HK$57,425
baseline
▲ 0.50% · 4.625%
HK$60,452
+HK$3,027/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$114,850/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,135
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,912
−HK$1,806/mo
Today · 4.125%
HK$60,718
baseline
▲ 0.50% · 4.625%
HK$64,412
+HK$3,694/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$121,436/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,562
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,267
−HK$1,729/mo
Today · 4.125%
HK$66,996
baseline
▲ 0.50% · 4.625%
HK$70,527
+HK$3,531/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$133,992/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,459
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$75,744
−HK$2,322/mo
Today · 4.125%
HK$78,066
baseline
▲ 0.50% · 4.625%
HK$82,816
+HK$4,750/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$156,132/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,151 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,722
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,914
−HK$2,224/mo
Today · 4.125%
HK$86,138
baseline
▲ 0.50% · 4.625%
HK$90,678
+HK$4,540/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$172,276/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,151 · Scale 2, in force from 26 Feb 2026)