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$40,834
−HK$2,561/mo
▼ 0.25% · 3.875%
HK$42,104
−HK$1,291/mo
Today · 4.125%
HK$43,395
baseline
▲ 0.50% · 4.625%
HK$46,035
+HK$2,640/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$86,790/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,428
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,646
−HK$1,236/mo
Today · 4.125%
HK$47,882
baseline
▲ 0.50% · 4.625%
HK$50,406
+HK$2,524/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$95,764/mo (50% DSR)
Upfront cash ≈ HK$9.63M (deposit + AVD stamp duty HK$671,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,001
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,525
−HK$1,549/mo
Today · 4.125%
HK$52,074
baseline
▲ 0.50% · 4.625%
HK$55,243
+HK$3,169/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$104,148/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,513
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,975
−HK$1,483/mo
Today · 4.125%
HK$57,458
baseline
▲ 0.50% · 4.625%
HK$60,487
+HK$3,029/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$114,916/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,168
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,946
−HK$1,807/mo
Today · 4.125%
HK$60,753
baseline
▲ 0.50% · 4.625%
HK$64,450
+HK$3,697/mo
Deposit HK$5.37M · loan HK$12.54M · min. income ≈ HK$121,506/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,599
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,305
−HK$1,730/mo
Today · 4.125%
HK$67,035
baseline
▲ 0.50% · 4.625%
HK$70,568
+HK$3,533/mo
Deposit HK$5.37M · loan HK$12.54M · min. income ≈ HK$134,070/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,502
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$75,788
−HK$2,323/mo
Today · 4.125%
HK$78,111
baseline
▲ 0.50% · 4.625%
HK$82,864
+HK$4,753/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$156,222/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,542 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,770
−HK$4,418/mo
▼ 0.25% · 3.875%
HK$83,963
−HK$2,225/mo
Today · 4.125%
HK$86,188
baseline
▲ 0.50% · 4.625%
HK$90,731
+HK$4,543/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$172,376/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,542 · Scale 2, in force from 26 Feb 2026)