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$40,600
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,863
−HK$1,283/mo
Today · 4.125%
HK$43,146
baseline
▲ 0.50% · 4.625%
HK$45,771
+HK$2,625/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$86,292/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,167
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,378
−HK$1,229/mo
Today · 4.125%
HK$47,607
baseline
▲ 0.50% · 4.625%
HK$50,116
+HK$2,509/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$95,214/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,720
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,235
−HK$1,540/mo
Today · 4.125%
HK$51,775
baseline
▲ 0.50% · 4.625%
HK$54,925
+HK$3,150/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$103,550/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,200
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,654
−HK$1,474/mo
Today · 4.125%
HK$57,128
baseline
▲ 0.50% · 4.625%
HK$60,140
+HK$3,012/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$114,256/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,840
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,608
−HK$1,796/mo
Today · 4.125%
HK$60,404
baseline
▲ 0.50% · 4.625%
HK$64,079
+HK$3,675/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$120,808/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,234
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,929
−HK$1,721/mo
Today · 4.125%
HK$66,650
baseline
▲ 0.50% · 4.625%
HK$70,163
+HK$3,513/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$133,300/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,080
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$75,353
−HK$2,309/mo
Today · 4.125%
HK$77,662
baseline
▲ 0.50% · 4.625%
HK$82,388
+HK$4,726/mo
Deposit HK$1.78M · loan HK$16.02M · min. income ≈ HK$155,324/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,300
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$83,481
−HK$2,212/mo
Today · 4.125%
HK$85,693
baseline
▲ 0.50% · 4.625%
HK$90,210
+HK$4,517/mo
Deposit HK$1.78M · loan HK$16.02M · min. income ≈ HK$171,386/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,684 · Scale 2, in force from 26 Feb 2026)