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$40,827
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,097
−HK$1,290/mo
Today · 4.125%
HK$43,387
baseline
▲ 0.50% · 4.625%
HK$46,027
+HK$2,640/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$86,774/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,419
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,638
−HK$1,235/mo
Today · 4.125%
HK$47,873
baseline
▲ 0.50% · 4.625%
HK$50,397
+HK$2,524/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$95,746/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,992
−HK$3,072/mo
▼ 0.25% · 3.875%
HK$50,516
−HK$1,548/mo
Today · 4.125%
HK$52,064
baseline
▲ 0.50% · 4.625%
HK$55,232
+HK$3,168/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$104,128/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,503
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,965
−HK$1,483/mo
Today · 4.125%
HK$57,448
baseline
▲ 0.50% · 4.625%
HK$60,476
+HK$3,028/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$114,896/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,157
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,935
−HK$1,807/mo
Today · 4.125%
HK$60,742
baseline
▲ 0.50% · 4.625%
HK$64,438
+HK$3,696/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$121,484/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,587
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,293
−HK$1,730/mo
Today · 4.125%
HK$67,023
baseline
▲ 0.50% · 4.625%
HK$70,555
+HK$3,532/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$134,046/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,488
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$75,774
−HK$2,323/mo
Today · 4.125%
HK$78,097
baseline
▲ 0.50% · 4.625%
HK$82,849
+HK$4,752/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$156,194/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,755
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$83,948
−HK$2,224/mo
Today · 4.125%
HK$86,172
baseline
▲ 0.50% · 4.625%
HK$90,714
+HK$4,542/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$172,344/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,418 · Scale 2, in force from 26 Feb 2026)