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$40,801
−HK$2,559/mo
▼ 0.25% · 3.875%
HK$42,070
−HK$1,290/mo
Today · 4.125%
HK$43,360
baseline
▲ 0.50% · 4.625%
HK$45,998
+HK$2,638/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$86,720/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$670,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,391
−HK$2,452/mo
▼ 0.25% · 3.875%
HK$46,608
−HK$1,235/mo
Today · 4.125%
HK$47,843
baseline
▲ 0.50% · 4.625%
HK$50,365
+HK$2,522/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$95,686/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$670,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,961
−HK$3,070/mo
▼ 0.25% · 3.875%
HK$50,484
−HK$1,547/mo
Today · 4.125%
HK$52,031
baseline
▲ 0.50% · 4.625%
HK$55,197
+HK$3,166/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$104,062/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$670,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,469
−HK$2,943/mo
▼ 0.25% · 3.875%
HK$55,930
−HK$1,482/mo
Today · 4.125%
HK$57,412
baseline
▲ 0.50% · 4.625%
HK$60,438
+HK$3,026/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$114,824/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$670,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,121
−HK$3,582/mo
▼ 0.25% · 3.875%
HK$58,898
−HK$1,805/mo
Today · 4.125%
HK$60,703
baseline
▲ 0.50% · 4.625%
HK$64,397
+HK$3,694/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$121,406/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,547
−HK$3,433/mo
▼ 0.25% · 3.875%
HK$65,251
−HK$1,729/mo
Today · 4.125%
HK$66,980
baseline
▲ 0.50% · 4.625%
HK$70,511
+HK$3,531/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$133,960/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$670,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,442
−HK$4,605/mo
▼ 0.25% · 3.875%
HK$75,726
−HK$2,321/mo
Today · 4.125%
HK$78,047
baseline
▲ 0.50% · 4.625%
HK$82,796
+HK$4,749/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$156,094/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,703
−HK$4,414/mo
▼ 0.25% · 3.875%
HK$83,894
−HK$2,223/mo
Today · 4.125%
HK$86,117
baseline
▲ 0.50% · 4.625%
HK$90,657
+HK$4,540/mo
Deposit HK$1.79M · loan HK$16.10M · min. income ≈ HK$172,234/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$670,993 · Scale 2, in force from 26 Feb 2026)