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$40,813
−HK$2,560/mo
▼ 0.25% · 3.875%
HK$42,083
−HK$1,290/mo
Today · 4.125%
HK$43,373
baseline
▲ 0.50% · 4.625%
HK$46,012
+HK$2,639/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$86,746/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,405
−HK$2,453/mo
▼ 0.25% · 3.875%
HK$46,622
−HK$1,236/mo
Today · 4.125%
HK$47,858
baseline
▲ 0.50% · 4.625%
HK$50,380
+HK$2,522/mo
Deposit HK$8.95M · loan HK$8.95M · min. income ≈ HK$95,716/mo (50% DSR)
Upfront cash ≈ HK$9.62M (deposit + AVD stamp duty HK$671,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,976
−HK$3,071/mo
▼ 0.25% · 3.875%
HK$50,500
−HK$1,547/mo
Today · 4.125%
HK$52,047
baseline
▲ 0.50% · 4.625%
HK$55,214
+HK$3,167/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$104,094/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,485
−HK$2,944/mo
▼ 0.25% · 3.875%
HK$55,947
−HK$1,482/mo
Today · 4.125%
HK$57,429
baseline
▲ 0.50% · 4.625%
HK$60,456
+HK$3,027/mo
Deposit HK$7.16M · loan HK$10.74M · min. income ≈ HK$114,858/mo (50% DSR)
Upfront cash ≈ HK$7.83M (deposit + AVD stamp duty HK$671,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,139
−HK$3,583/mo
▼ 0.25% · 3.875%
HK$58,916
−HK$1,806/mo
Today · 4.125%
HK$60,722
baseline
▲ 0.50% · 4.625%
HK$64,417
+HK$3,695/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$121,444/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,566
−HK$3,435/mo
▼ 0.25% · 3.875%
HK$65,271
−HK$1,730/mo
Today · 4.125%
HK$67,001
baseline
▲ 0.50% · 4.625%
HK$70,532
+HK$3,531/mo
Deposit HK$5.37M · loan HK$12.53M · min. income ≈ HK$134,002/mo (50% DSR)
Upfront cash ≈ HK$6.04M (deposit + AVD stamp duty HK$671,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,464
−HK$4,607/mo
▼ 0.25% · 3.875%
HK$75,749
−HK$2,322/mo
Today · 4.125%
HK$78,071
baseline
▲ 0.50% · 4.625%
HK$82,821
+HK$4,750/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$156,142/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,198 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,728
−HK$4,416/mo
▼ 0.25% · 3.875%
HK$83,920
−HK$2,224/mo
Today · 4.125%
HK$86,144
baseline
▲ 0.50% · 4.625%
HK$90,684
+HK$4,540/mo
Deposit HK$1.79M · loan HK$16.11M · min. income ≈ HK$172,288/mo (50% DSR)
Upfront cash ≈ HK$2.46M (deposit + AVD stamp duty HK$671,198 · Scale 2, in force from 26 Feb 2026)