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$42,082
−HK$1,289/mo
Today · 4.125%
HK$43,371
baseline
▲ 0.50% · 4.625%
HK$46,011
+HK$2,640/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$671,178 · 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$50,379
+HK$2,523/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$671,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,975
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$50,498
−HK$1,548/mo
Today · 4.125%
HK$52,046
baseline
▲ 0.50% · 4.625%
HK$55,213
+HK$3,167/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$104,092/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,484
−HK$2,943/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$671,178 · 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$64,415
+HK$3,695/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$671,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,564
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,269
−HK$1,730/mo
Today · 4.125%
HK$66,999
baseline
▲ 0.50% · 4.625%
HK$70,530
+HK$3,531/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$133,998/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,462
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$75,747
−HK$2,322/mo
Today · 4.125%
HK$78,069
baseline
▲ 0.50% · 4.625%
HK$82,819
+HK$4,750/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$156,138/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,178 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,726
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$83,918
−HK$2,223/mo
Today · 4.125%
HK$86,141
baseline
▲ 0.50% · 4.625%
HK$90,682
+HK$4,541/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$671,178 · Scale 2, in force from 26 Feb 2026)