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$40,617
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,880
−HK$1,284/mo
Today · 4.125%
HK$43,164
baseline
▲ 0.50% · 4.625%
HK$45,790
+HK$2,626/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$86,328/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,186
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,397
−HK$1,230/mo
Today · 4.125%
HK$47,627
baseline
▲ 0.50% · 4.625%
HK$50,137
+HK$2,510/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$95,254/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,740
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,256
−HK$1,540/mo
Today · 4.125%
HK$51,796
baseline
▲ 0.50% · 4.625%
HK$54,948
+HK$3,152/mo
Deposit HK$7.12M · loan HK$10.69M · min. income ≈ HK$103,592/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,223
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,677
−HK$1,475/mo
Today · 4.125%
HK$57,152
baseline
▲ 0.50% · 4.625%
HK$60,165
+HK$3,013/mo
Deposit HK$7.12M · loan HK$10.69M · min. income ≈ HK$114,304/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,863
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,632
−HK$1,797/mo
Today · 4.125%
HK$60,429
baseline
▲ 0.50% · 4.625%
HK$64,106
+HK$3,677/mo
Deposit HK$5.34M · loan HK$12.47M · min. income ≈ HK$120,858/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,260
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,956
−HK$1,722/mo
Today · 4.125%
HK$66,678
baseline
▲ 0.50% · 4.625%
HK$70,192
+HK$3,514/mo
Deposit HK$5.34M · loan HK$12.47M · min. income ≈ HK$133,356/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,110
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,384
−HK$2,311/mo
Today · 4.125%
HK$77,695
baseline
▲ 0.50% · 4.625%
HK$82,422
+HK$4,727/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$155,390/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,962 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,334
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,515
−HK$2,213/mo
Today · 4.125%
HK$85,728
baseline
▲ 0.50% · 4.625%
HK$90,247
+HK$4,519/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$171,456/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,962 · Scale 2, in force from 26 Feb 2026)