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$40,582
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,845
−HK$1,282/mo
Today · 4.125%
HK$43,127
baseline
▲ 0.50% · 4.625%
HK$45,752
+HK$2,625/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$86,254/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,148
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,358
−HK$1,229/mo
Today · 4.125%
HK$47,587
baseline
▲ 0.50% · 4.625%
HK$50,095
+HK$2,508/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$95,174/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,699
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,214
−HK$1,539/mo
Today · 4.125%
HK$51,753
baseline
▲ 0.50% · 4.625%
HK$54,902
+HK$3,149/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$103,506/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,177
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,630
−HK$1,474/mo
Today · 4.125%
HK$57,104
baseline
▲ 0.50% · 4.625%
HK$60,114
+HK$3,010/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$114,208/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,815
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,583
−HK$1,795/mo
Today · 4.125%
HK$60,378
baseline
▲ 0.50% · 4.625%
HK$64,052
+HK$3,674/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$120,756/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,207
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,902
−HK$1,719/mo
Today · 4.125%
HK$66,621
baseline
▲ 0.50% · 4.625%
HK$70,133
+HK$3,512/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$133,242/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,048
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$75,321
−HK$2,308/mo
Today · 4.125%
HK$77,629
baseline
▲ 0.50% · 4.625%
HK$82,353
+HK$4,724/mo
Deposit HK$1.78M · loan HK$16.02M · min. income ≈ HK$155,258/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,400 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,266
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$83,445
−HK$2,211/mo
Today · 4.125%
HK$85,656
baseline
▲ 0.50% · 4.625%
HK$90,171
+HK$4,515/mo
Deposit HK$1.78M · loan HK$16.02M · min. income ≈ HK$171,312/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,400 · Scale 2, in force from 26 Feb 2026)