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$40,832
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,102
−HK$1,290/mo
Today · 4.125%
HK$43,392
baseline
▲ 0.50% · 4.625%
HK$46,032
+HK$2,640/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$86,784/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,425
−HK$2,454/mo
▼ 0.25% · 3.875%
HK$46,643
−HK$1,236/mo
Today · 4.125%
HK$47,879
baseline
▲ 0.50% · 4.625%
HK$50,403
+HK$2,524/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$95,758/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,998
−HK$3,073/mo
▼ 0.25% · 3.875%
HK$50,522
−HK$1,549/mo
Today · 4.125%
HK$52,071
baseline
▲ 0.50% · 4.625%
HK$55,239
+HK$3,168/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$104,142/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,510
−HK$2,945/mo
▼ 0.25% · 3.875%
HK$55,972
−HK$1,483/mo
Today · 4.125%
HK$57,455
baseline
▲ 0.50% · 4.625%
HK$60,483
+HK$3,028/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$114,910/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,164
−HK$3,585/mo
▼ 0.25% · 3.875%
HK$58,942
−HK$1,807/mo
Today · 4.125%
HK$60,749
baseline
▲ 0.50% · 4.625%
HK$64,445
+HK$3,696/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$121,498/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,595
−HK$3,436/mo
▼ 0.25% · 3.875%
HK$65,300
−HK$1,731/mo
Today · 4.125%
HK$67,031
baseline
▲ 0.50% · 4.625%
HK$70,564
+HK$3,533/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$134,062/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,497
−HK$4,609/mo
▼ 0.25% · 3.875%
HK$75,783
−HK$2,323/mo
Today · 4.125%
HK$78,106
baseline
▲ 0.50% · 4.625%
HK$82,858
+HK$4,752/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$156,212/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,499 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,765
−HK$4,417/mo
▼ 0.25% · 3.875%
HK$83,958
−HK$2,224/mo
Today · 4.125%
HK$86,182
baseline
▲ 0.50% · 4.625%
HK$90,725
+HK$4,543/mo
Deposit HK$1.79M · loan HK$16.12M · min. income ≈ HK$172,364/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,499 · Scale 2, in force from 26 Feb 2026)