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$40,796
−HK$2,558/mo
▼ 0.25% · 3.875%
HK$42,065
−HK$1,289/mo
Today · 4.125%
HK$43,354
baseline
▲ 0.50% · 4.625%
HK$45,992
+HK$2,638/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$86,708/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$670,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,385
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,602
−HK$1,235/mo
Today · 4.125%
HK$47,837
baseline
▲ 0.50% · 4.625%
HK$50,359
+HK$2,522/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$95,674/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$670,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,955
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$50,478
−HK$1,547/mo
Today · 4.125%
HK$52,025
baseline
▲ 0.50% · 4.625%
HK$55,191
+HK$3,166/mo
Deposit HK$7.16M · loan HK$10.73M · min. income ≈ HK$104,050/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$670,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,462
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$55,923
−HK$1,482/mo
Today · 4.125%
HK$57,405
baseline
▲ 0.50% · 4.625%
HK$60,430
+HK$3,025/mo
Deposit HK$7.16M · loan HK$10.73M · min. income ≈ HK$114,810/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$670,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,114
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,891
−HK$1,805/mo
Today · 4.125%
HK$60,696
baseline
▲ 0.50% · 4.625%
HK$64,389
+HK$3,693/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$121,392/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,539
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,243
−HK$1,729/mo
Today · 4.125%
HK$66,972
baseline
▲ 0.50% · 4.625%
HK$70,502
+HK$3,530/mo
Deposit HK$5.37M · loan HK$12.52M · min. income ≈ HK$133,944/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,433
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$75,717
−HK$2,321/mo
Today · 4.125%
HK$78,038
baseline
▲ 0.50% · 4.625%
HK$82,786
+HK$4,748/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$156,076/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,911 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,693
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$83,884
−HK$2,223/mo
Today · 4.125%
HK$86,107
baseline
▲ 0.50% · 4.625%
HK$90,646
+HK$4,539/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$172,214/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,911 · Scale 2, in force from 26 Feb 2026)