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$40,799
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,068
−HK$1,289/mo
Today · 4.125%
HK$43,357
baseline
▲ 0.50% · 4.625%
HK$45,995
+HK$2,638/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$86,714/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$670,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,388
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,605
−HK$1,235/mo
Today · 4.125%
HK$47,840
baseline
▲ 0.50% · 4.625%
HK$50,362
+HK$2,522/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$95,680/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$670,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,958
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$50,481
−HK$1,547/mo
Today · 4.125%
HK$52,028
baseline
▲ 0.50% · 4.625%
HK$55,194
+HK$3,166/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$104,056/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$670,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,466
−HK$2,942/mo
▼ 0.25% · 3.875%
HK$55,926
−HK$1,482/mo
Today · 4.125%
HK$57,408
baseline
▲ 0.50% · 4.625%
HK$60,434
+HK$3,026/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$114,816/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$670,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,118
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,895
−HK$1,805/mo
Today · 4.125%
HK$60,700
baseline
▲ 0.50% · 4.625%
HK$64,393
+HK$3,693/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$121,400/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,543
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,247
−HK$1,729/mo
Today · 4.125%
HK$66,976
baseline
▲ 0.50% · 4.625%
HK$70,507
+HK$3,531/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$133,952/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,437
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$75,722
−HK$2,321/mo
Today · 4.125%
HK$78,043
baseline
▲ 0.50% · 4.625%
HK$82,791
+HK$4,748/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$156,086/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,954 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,698
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$83,890
−HK$2,222/mo
Today · 4.125%
HK$86,112
baseline
▲ 0.50% · 4.625%
HK$90,651
+HK$4,539/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$172,224/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,954 · Scale 2, in force from 26 Feb 2026)