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$2,547/mo
▼ 0.25% · 3.875%
HK$41,873
−HK$1,283/mo
Today · 4.125%
HK$43,156
baseline
▲ 0.50% · 4.625%
HK$45,782
+HK$2,626/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$86,312/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,178
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,389
−HK$1,229/mo
Today · 4.125%
HK$47,618
baseline
▲ 0.50% · 4.625%
HK$50,128
+HK$2,510/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$95,236/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,731
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,247
−HK$1,540/mo
Today · 4.125%
HK$51,787
baseline
▲ 0.50% · 4.625%
HK$54,938
+HK$3,151/mo
Deposit HK$7.12M · loan HK$10.69M · min. income ≈ HK$103,574/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,213
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,667
−HK$1,475/mo
Today · 4.125%
HK$57,142
baseline
▲ 0.50% · 4.625%
HK$60,154
+HK$3,012/mo
Deposit HK$7.12M · loan HK$10.69M · min. income ≈ HK$114,284/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,853
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,622
−HK$1,796/mo
Today · 4.125%
HK$60,418
baseline
▲ 0.50% · 4.625%
HK$64,095
+HK$3,677/mo
Deposit HK$5.34M · loan HK$12.47M · min. income ≈ HK$120,836/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,249
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,945
−HK$1,721/mo
Today · 4.125%
HK$66,666
baseline
▲ 0.50% · 4.625%
HK$70,180
+HK$3,514/mo
Deposit HK$5.34M · loan HK$12.47M · min. income ≈ HK$133,332/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,097
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$75,371
−HK$2,310/mo
Today · 4.125%
HK$77,681
baseline
▲ 0.50% · 4.625%
HK$82,408
+HK$4,727/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$155,362/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,320
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$83,501
−HK$2,212/mo
Today · 4.125%
HK$85,713
baseline
▲ 0.50% · 4.625%
HK$90,231
+HK$4,518/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$171,426/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,844 · Scale 2, in force from 26 Feb 2026)