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$40,808
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,077
−HK$1,290/mo
Today · 4.125%
HK$43,367
baseline
▲ 0.50% · 4.625%
HK$46,006
+HK$2,639/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$86,734/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,398
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,616
−HK$1,235/mo
Today · 4.125%
HK$47,851
baseline
▲ 0.50% · 4.625%
HK$50,373
+HK$2,522/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$95,702/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,969
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$50,493
−HK$1,547/mo
Today · 4.125%
HK$52,040
baseline
▲ 0.50% · 4.625%
HK$55,207
+HK$3,167/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$104,080/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,478
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$55,939
−HK$1,482/mo
Today · 4.125%
HK$57,421
baseline
▲ 0.50% · 4.625%
HK$60,448
+HK$3,027/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$114,842/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,131
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,908
−HK$1,806/mo
Today · 4.125%
HK$60,714
baseline
▲ 0.50% · 4.625%
HK$64,408
+HK$3,694/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$121,428/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,558
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,262
−HK$1,729/mo
Today · 4.125%
HK$66,991
baseline
▲ 0.50% · 4.625%
HK$70,523
+HK$3,532/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$133,982/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,454
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$75,739
−HK$2,321/mo
Today · 4.125%
HK$78,060
baseline
▲ 0.50% · 4.625%
HK$82,810
+HK$4,750/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$156,120/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,106 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,717
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$83,908
−HK$2,224/mo
Today · 4.125%
HK$86,132
baseline
▲ 0.50% · 4.625%
HK$90,672
+HK$4,540/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$172,264/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,106 · Scale 2, in force from 26 Feb 2026)