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$40,831
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,101
−HK$1,290/mo
Today · 4.125%
HK$43,391
baseline
▲ 0.50% · 4.625%
HK$46,031
+HK$2,640/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$86,782/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,424
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,642
−HK$1,236/mo
Today · 4.125%
HK$47,878
baseline
▲ 0.50% · 4.625%
HK$50,402
+HK$2,524/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$95,756/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,997
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$50,521
−HK$1,548/mo
Today · 4.125%
HK$52,069
baseline
▲ 0.50% · 4.625%
HK$55,238
+HK$3,169/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$104,138/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,508
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,970
−HK$1,483/mo
Today · 4.125%
HK$57,453
baseline
▲ 0.50% · 4.625%
HK$60,482
+HK$3,029/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$114,906/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,163
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,941
−HK$1,807/mo
Today · 4.125%
HK$60,748
baseline
▲ 0.50% · 4.625%
HK$64,444
+HK$3,696/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$121,496/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,593
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,299
−HK$1,730/mo
Today · 4.125%
HK$67,029
baseline
▲ 0.50% · 4.625%
HK$70,562
+HK$3,533/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$134,058/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,495
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$75,781
−HK$2,323/mo
Today · 4.125%
HK$78,104
baseline
▲ 0.50% · 4.625%
HK$82,856
+HK$4,752/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$156,208/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,482 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,763
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$83,956
−HK$2,224/mo
Today · 4.125%
HK$86,180
baseline
▲ 0.50% · 4.625%
HK$90,723
+HK$4,543/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$172,360/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,482 · Scale 2, in force from 26 Feb 2026)