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$40,830
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,100
−HK$1,291/mo
Today · 4.125%
HK$43,391
baseline
▲ 0.50% · 4.625%
HK$46,031
+HK$2,640/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$86,782/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,423
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,642
−HK$1,235/mo
Today · 4.125%
HK$47,877
baseline
▲ 0.50% · 4.625%
HK$50,401
+HK$2,524/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$95,754/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,996
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,520
−HK$1,549/mo
Today · 4.125%
HK$52,069
baseline
▲ 0.50% · 4.625%
HK$55,237
+HK$3,168/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$104,138/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,508
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,970
−HK$1,483/mo
Today · 4.125%
HK$57,453
baseline
▲ 0.50% · 4.625%
HK$60,481
+HK$3,028/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$114,906/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,162
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,940
−HK$1,807/mo
Today · 4.125%
HK$60,747
baseline
▲ 0.50% · 4.625%
HK$64,443
+HK$3,696/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$121,494/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,593
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,298
−HK$1,730/mo
Today · 4.125%
HK$67,028
baseline
▲ 0.50% · 4.625%
HK$70,561
+HK$3,533/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$134,056/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,495
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$75,781
−HK$2,322/mo
Today · 4.125%
HK$78,103
baseline
▲ 0.50% · 4.625%
HK$82,856
+HK$4,753/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$156,206/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,476 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,762
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$83,955
−HK$2,224/mo
Today · 4.125%
HK$86,179
baseline
▲ 0.50% · 4.625%
HK$90,722
+HK$4,543/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$172,358/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,476 · Scale 2, in force from 26 Feb 2026)