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$40,810
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,079
−HK$1,290/mo
Today · 4.125%
HK$43,369
baseline
▲ 0.50% · 4.625%
HK$46,008
+HK$2,639/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$86,738/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,401
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,618
−HK$1,236/mo
Today · 4.125%
HK$47,854
baseline
▲ 0.50% · 4.625%
HK$50,376
+HK$2,522/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$95,708/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,972
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$50,495
−HK$1,548/mo
Today · 4.125%
HK$52,043
baseline
▲ 0.50% · 4.625%
HK$55,210
+HK$3,167/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$104,086/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,481
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$55,942
−HK$1,482/mo
Today · 4.125%
HK$57,424
baseline
▲ 0.50% · 4.625%
HK$60,451
+HK$3,027/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$114,848/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,134
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,911
−HK$1,806/mo
Today · 4.125%
HK$60,717
baseline
▲ 0.50% · 4.625%
HK$64,411
+HK$3,694/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$121,434/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,561
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,266
−HK$1,729/mo
Today · 4.125%
HK$66,995
baseline
▲ 0.50% · 4.625%
HK$70,526
+HK$3,531/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$133,990/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,458
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$75,743
−HK$2,321/mo
Today · 4.125%
HK$78,064
baseline
▲ 0.50% · 4.625%
HK$82,814
+HK$4,750/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$156,128/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,141 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,721
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$83,913
−HK$2,223/mo
Today · 4.125%
HK$86,136
baseline
▲ 0.50% · 4.625%
HK$90,677
+HK$4,541/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$172,272/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,141 · Scale 2, in force from 26 Feb 2026)