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$40,603
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,866
−HK$1,283/mo
Today · 4.125%
HK$43,149
baseline
▲ 0.50% · 4.625%
HK$45,775
+HK$2,626/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$86,298/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,170
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,382
−HK$1,229/mo
Today · 4.125%
HK$47,611
baseline
▲ 0.50% · 4.625%
HK$50,121
+HK$2,510/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$95,222/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,724
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,239
−HK$1,540/mo
Today · 4.125%
HK$51,779
baseline
▲ 0.50% · 4.625%
HK$54,930
+HK$3,151/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$103,558/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,205
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,658
−HK$1,475/mo
Today · 4.125%
HK$57,133
baseline
▲ 0.50% · 4.625%
HK$60,145
+HK$3,012/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$114,266/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,844
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,612
−HK$1,797/mo
Today · 4.125%
HK$60,409
baseline
▲ 0.50% · 4.625%
HK$64,085
+HK$3,676/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$120,818/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,239
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,935
−HK$1,720/mo
Today · 4.125%
HK$66,655
baseline
▲ 0.50% · 4.625%
HK$70,169
+HK$3,514/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$133,310/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,085
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$75,359
−HK$2,310/mo
Today · 4.125%
HK$77,669
baseline
▲ 0.50% · 4.625%
HK$82,395
+HK$4,726/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$155,338/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,739 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,307
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$83,487
−HK$2,213/mo
Today · 4.125%
HK$85,700
baseline
▲ 0.50% · 4.625%
HK$90,217
+HK$4,517/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$171,400/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,739 · Scale 2, in force from 26 Feb 2026)