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$40,570
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,832
−HK$1,282/mo
Today · 4.125%
HK$43,114
baseline
▲ 0.50% · 4.625%
HK$45,737
+HK$2,623/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$86,228/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$667,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,133
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,344
−HK$1,228/mo
Today · 4.125%
HK$47,572
baseline
▲ 0.50% · 4.625%
HK$50,079
+HK$2,507/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$95,144/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$667,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,684
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,198
−HK$1,539/mo
Today · 4.125%
HK$51,737
baseline
▲ 0.50% · 4.625%
HK$54,885
+HK$3,148/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$103,474/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$667,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,160
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$55,613
−HK$1,473/mo
Today · 4.125%
HK$57,086
baseline
▲ 0.50% · 4.625%
HK$60,095
+HK$3,009/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$114,172/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$667,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,798
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,564
−HK$1,795/mo
Today · 4.125%
HK$60,359
baseline
▲ 0.50% · 4.625%
HK$64,032
+HK$3,673/mo
Deposit HK$5.34M · loan HK$12.45M · min. income ≈ HK$120,718/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$667,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,187
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,881
−HK$1,720/mo
Today · 4.125%
HK$66,601
baseline
▲ 0.50% · 4.625%
HK$70,111
+HK$3,510/mo
Deposit HK$5.34M · loan HK$12.45M · min. income ≈ HK$133,202/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$667,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,026
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$75,297
−HK$2,308/mo
Today · 4.125%
HK$77,605
baseline
▲ 0.50% · 4.625%
HK$82,327
+HK$4,722/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$155,210/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,240
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$83,419
−HK$2,210/mo
Today · 4.125%
HK$85,629
baseline
▲ 0.50% · 4.625%
HK$90,143
+HK$4,514/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$171,258/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,191 · Scale 2, in force from 26 Feb 2026)