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$40,834
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,104
−HK$1,290/mo
Today · 4.125%
HK$43,394
baseline
▲ 0.50% · 4.625%
HK$46,035
+HK$2,641/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$86,788/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,427
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,645
−HK$1,236/mo
Today · 4.125%
HK$47,881
baseline
▲ 0.50% · 4.625%
HK$50,405
+HK$2,524/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$95,762/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,000
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,524
−HK$1,549/mo
Today · 4.125%
HK$52,073
baseline
▲ 0.50% · 4.625%
HK$55,242
+HK$3,169/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$104,146/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,512
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,974
−HK$1,483/mo
Today · 4.125%
HK$57,457
baseline
▲ 0.50% · 4.625%
HK$60,486
+HK$3,029/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$114,914/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,167
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,945
−HK$1,807/mo
Today · 4.125%
HK$60,752
baseline
▲ 0.50% · 4.625%
HK$64,449
+HK$3,697/mo
Deposit HK$5.37M · loan HK$12.54M · min. income ≈ HK$121,504/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,598
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,303
−HK$1,731/mo
Today · 4.125%
HK$67,034
baseline
▲ 0.50% · 4.625%
HK$70,567
+HK$3,533/mo
Deposit HK$5.37M · loan HK$12.54M · min. income ≈ HK$134,068/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,500
−HK$4,610/mo
▼ 0.25% · 3.875%
HK$75,787
−HK$2,323/mo
Today · 4.125%
HK$78,110
baseline
▲ 0.50% · 4.625%
HK$82,862
+HK$4,752/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$156,220/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,530 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,769
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$83,962
−HK$2,224/mo
Today · 4.125%
HK$86,186
baseline
▲ 0.50% · 4.625%
HK$90,729
+HK$4,543/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$172,372/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,530 · Scale 2, in force from 26 Feb 2026)