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$40,812
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,081
−HK$1,290/mo
Today · 4.125%
HK$43,371
baseline
▲ 0.50% · 4.625%
HK$46,010
+HK$2,639/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$86,742/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,403
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,621
−HK$1,235/mo
Today · 4.125%
HK$47,856
baseline
▲ 0.50% · 4.625%
HK$50,378
+HK$2,522/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$95,712/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,974
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$50,498
−HK$1,547/mo
Today · 4.125%
HK$52,045
baseline
▲ 0.50% · 4.625%
HK$55,212
+HK$3,167/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$104,090/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,483
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$55,945
−HK$1,482/mo
Today · 4.125%
HK$57,427
baseline
▲ 0.50% · 4.625%
HK$60,454
+HK$3,027/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$114,854/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,137
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,914
−HK$1,806/mo
Today · 4.125%
HK$60,720
baseline
▲ 0.50% · 4.625%
HK$64,414
+HK$3,694/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$121,440/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,564
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,269
−HK$1,729/mo
Today · 4.125%
HK$66,998
baseline
▲ 0.50% · 4.625%
HK$70,530
+HK$3,532/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$133,996/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,462
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$75,747
−HK$2,321/mo
Today · 4.125%
HK$78,068
baseline
▲ 0.50% · 4.625%
HK$82,818
+HK$4,750/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$156,136/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,174 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,725
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,917
−HK$2,224/mo
Today · 4.125%
HK$86,141
baseline
▲ 0.50% · 4.625%
HK$90,681
+HK$4,540/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$172,282/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,174 · Scale 2, in force from 26 Feb 2026)