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$40,813
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,083
−HK$1,289/mo
Today · 4.125%
HK$43,372
baseline
▲ 0.50% · 4.625%
HK$46,012
+HK$2,640/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$86,744/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,404
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,622
−HK$1,235/mo
Today · 4.125%
HK$47,857
baseline
▲ 0.50% · 4.625%
HK$50,380
+HK$2,523/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$95,714/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,976
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$50,499
−HK$1,548/mo
Today · 4.125%
HK$52,047
baseline
▲ 0.50% · 4.625%
HK$55,214
+HK$3,167/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$104,094/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,485
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$55,946
−HK$1,483/mo
Today · 4.125%
HK$57,429
baseline
▲ 0.50% · 4.625%
HK$60,456
+HK$3,027/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$114,858/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,138
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,916
−HK$1,805/mo
Today · 4.125%
HK$60,721
baseline
▲ 0.50% · 4.625%
HK$64,416
+HK$3,695/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$121,442/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,566
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,271
−HK$1,729/mo
Today · 4.125%
HK$67,000
baseline
▲ 0.50% · 4.625%
HK$70,532
+HK$3,532/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$134,000/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,464
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$75,749
−HK$2,321/mo
Today · 4.125%
HK$78,070
baseline
▲ 0.50% · 4.625%
HK$82,821
+HK$4,751/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$156,140/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,193 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,727
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,919
−HK$2,224/mo
Today · 4.125%
HK$86,143
baseline
▲ 0.50% · 4.625%
HK$90,684
+HK$4,541/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$172,286/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,193 · Scale 2, in force from 26 Feb 2026)