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$40,584
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,846
−HK$1,283/mo
Today · 4.125%
HK$43,129
baseline
▲ 0.50% · 4.625%
HK$45,753
+HK$2,624/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$86,258/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,149
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,360
−HK$1,228/mo
Today · 4.125%
HK$47,588
baseline
▲ 0.50% · 4.625%
HK$50,097
+HK$2,509/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$95,176/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,701
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,215
−HK$1,540/mo
Today · 4.125%
HK$51,755
baseline
▲ 0.50% · 4.625%
HK$54,904
+HK$3,149/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$103,510/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,179
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,632
−HK$1,474/mo
Today · 4.125%
HK$57,106
baseline
▲ 0.50% · 4.625%
HK$60,116
+HK$3,010/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$114,212/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,817
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,585
−HK$1,795/mo
Today · 4.125%
HK$60,380
baseline
▲ 0.50% · 4.625%
HK$64,054
+HK$3,674/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$120,760/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,209
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,904
−HK$1,720/mo
Today · 4.125%
HK$66,624
baseline
▲ 0.50% · 4.625%
HK$70,136
+HK$3,512/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$133,248/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,051
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$75,323
−HK$2,309/mo
Today · 4.125%
HK$77,632
baseline
▲ 0.50% · 4.625%
HK$82,356
+HK$4,724/mo
Deposit HK$1.78M · loan HK$16.02M · min. income ≈ HK$155,264/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,423 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,268
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$83,448
−HK$2,211/mo
Today · 4.125%
HK$85,659
baseline
▲ 0.50% · 4.625%
HK$90,174
+HK$4,515/mo
Deposit HK$1.78M · loan HK$16.02M · min. income ≈ HK$171,318/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,423 · Scale 2, in force from 26 Feb 2026)