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$40,819
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,089
−HK$1,290/mo
Today · 4.125%
HK$43,379
baseline
▲ 0.50% · 4.625%
HK$46,018
+HK$2,639/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$86,758/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,411
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,629
−HK$1,235/mo
Today · 4.125%
HK$47,864
baseline
▲ 0.50% · 4.625%
HK$50,387
+HK$2,523/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$95,728/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,983
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$50,507
−HK$1,548/mo
Today · 4.125%
HK$52,055
baseline
▲ 0.50% · 4.625%
HK$55,222
+HK$3,167/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$104,110/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,493
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$55,955
−HK$1,482/mo
Today · 4.125%
HK$57,437
baseline
▲ 0.50% · 4.625%
HK$60,465
+HK$3,028/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$114,874/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,147
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,924
−HK$1,806/mo
Today · 4.125%
HK$60,730
baseline
▲ 0.50% · 4.625%
HK$64,426
+HK$3,696/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$121,460/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,575
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,280
−HK$1,730/mo
Today · 4.125%
HK$67,010
baseline
▲ 0.50% · 4.625%
HK$70,542
+HK$3,532/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$134,020/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,474
−HK$4,608/mo
▼ 0.25% · 3.875%
HK$75,760
−HK$2,322/mo
Today · 4.125%
HK$78,082
baseline
▲ 0.50% · 4.625%
HK$82,833
+HK$4,751/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$156,164/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,293 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,740
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,932
−HK$2,224/mo
Today · 4.125%
HK$86,156
baseline
▲ 0.50% · 4.625%
HK$90,697
+HK$4,541/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$172,312/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,293 · Scale 2, in force from 26 Feb 2026)