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$40,609
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,872
−HK$1,283/mo
Today · 4.125%
HK$43,155
baseline
▲ 0.50% · 4.625%
HK$45,781
+HK$2,626/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$86,310/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,177
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,388
−HK$1,229/mo
Today · 4.125%
HK$47,617
baseline
▲ 0.50% · 4.625%
HK$50,127
+HK$2,510/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$95,234/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,730
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,246
−HK$1,540/mo
Today · 4.125%
HK$51,786
baseline
▲ 0.50% · 4.625%
HK$54,937
+HK$3,151/mo
Deposit HK$7.12M · loan HK$10.69M · min. income ≈ HK$103,572/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,212
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,666
−HK$1,475/mo
Today · 4.125%
HK$57,141
baseline
▲ 0.50% · 4.625%
HK$60,153
+HK$3,012/mo
Deposit HK$7.12M · loan HK$10.69M · min. income ≈ HK$114,282/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,852
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,620
−HK$1,797/mo
Today · 4.125%
HK$60,417
baseline
▲ 0.50% · 4.625%
HK$64,093
+HK$3,676/mo
Deposit HK$5.34M · loan HK$12.47M · min. income ≈ HK$120,834/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,247
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,944
−HK$1,720/mo
Today · 4.125%
HK$66,664
baseline
▲ 0.50% · 4.625%
HK$70,178
+HK$3,514/mo
Deposit HK$5.34M · loan HK$12.47M · min. income ≈ HK$133,328/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,096
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$75,369
−HK$2,310/mo
Today · 4.125%
HK$77,679
baseline
▲ 0.50% · 4.625%
HK$82,406
+HK$4,727/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$155,358/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,318
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$83,499
−HK$2,212/mo
Today · 4.125%
HK$85,711
baseline
▲ 0.50% · 4.625%
HK$90,229
+HK$4,518/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$171,422/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,830 · Scale 2, in force from 26 Feb 2026)