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$40,815
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,085
−HK$1,290/mo
Today · 4.125%
HK$43,375
baseline
▲ 0.50% · 4.625%
HK$46,014
+HK$2,639/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$86,750/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,406
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,624
−HK$1,236/mo
Today · 4.125%
HK$47,860
baseline
▲ 0.50% · 4.625%
HK$50,382
+HK$2,522/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$95,720/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,978
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$50,502
−HK$1,547/mo
Today · 4.125%
HK$52,049
baseline
▲ 0.50% · 4.625%
HK$55,217
+HK$3,168/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$104,098/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,488
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$55,949
−HK$1,482/mo
Today · 4.125%
HK$57,431
baseline
▲ 0.50% · 4.625%
HK$60,459
+HK$3,028/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$114,862/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,141
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,918
−HK$1,806/mo
Today · 4.125%
HK$60,724
baseline
▲ 0.50% · 4.625%
HK$64,419
+HK$3,695/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$121,448/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,569
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,274
−HK$1,729/mo
Today · 4.125%
HK$67,003
baseline
▲ 0.50% · 4.625%
HK$70,535
+HK$3,532/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$134,006/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,467
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$75,752
−HK$2,322/mo
Today · 4.125%
HK$78,074
baseline
▲ 0.50% · 4.625%
HK$82,825
+HK$4,751/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$156,148/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,225 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,731
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,923
−HK$2,224/mo
Today · 4.125%
HK$86,147
baseline
▲ 0.50% · 4.625%
HK$90,688
+HK$4,541/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$172,294/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,225 · Scale 2, in force from 26 Feb 2026)