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$40,807
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,076
−HK$1,290/mo
Today · 4.125%
HK$43,366
baseline
▲ 0.50% · 4.625%
HK$46,005
+HK$2,639/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$86,732/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,397
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,615
−HK$1,235/mo
Today · 4.125%
HK$47,850
baseline
▲ 0.50% · 4.625%
HK$50,372
+HK$2,522/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$95,700/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,968
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$50,492
−HK$1,547/mo
Today · 4.125%
HK$52,039
baseline
▲ 0.50% · 4.625%
HK$55,206
+HK$3,167/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$104,078/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,477
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$55,938
−HK$1,482/mo
Today · 4.125%
HK$57,420
baseline
▲ 0.50% · 4.625%
HK$60,447
+HK$3,027/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$114,840/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,130
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,907
−HK$1,805/mo
Today · 4.125%
HK$60,712
baseline
▲ 0.50% · 4.625%
HK$64,407
+HK$3,695/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$121,424/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,556
−HK$3,434/mo
▼ 0.25% · 3.875%
HK$65,261
−HK$1,729/mo
Today · 4.125%
HK$66,990
baseline
▲ 0.50% · 4.625%
HK$70,521
+HK$3,531/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$133,980/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,453
−HK$4,606/mo
▼ 0.25% · 3.875%
HK$75,737
−HK$2,322/mo
Today · 4.125%
HK$78,059
baseline
▲ 0.50% · 4.625%
HK$82,809
+HK$4,750/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$156,118/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,094 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,715
−HK$4,415/mo
▼ 0.25% · 3.875%
HK$83,907
−HK$2,223/mo
Today · 4.125%
HK$86,130
baseline
▲ 0.50% · 4.625%
HK$90,670
+HK$4,540/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$172,260/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,094 · Scale 2, in force from 26 Feb 2026)