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$40,597
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,860
−HK$1,283/mo
Today · 4.125%
HK$43,143
baseline
▲ 0.50% · 4.625%
HK$45,768
+HK$2,625/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$86,286/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,164
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,375
−HK$1,229/mo
Today · 4.125%
HK$47,604
baseline
▲ 0.50% · 4.625%
HK$50,113
+HK$2,509/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$95,208/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,716
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,232
−HK$1,539/mo
Today · 4.125%
HK$51,771
baseline
▲ 0.50% · 4.625%
HK$54,921
+HK$3,150/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$103,542/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,196
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,650
−HK$1,475/mo
Today · 4.125%
HK$57,125
baseline
▲ 0.50% · 4.625%
HK$60,136
+HK$3,011/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$114,250/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,836
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,604
−HK$1,796/mo
Today · 4.125%
HK$60,400
baseline
▲ 0.50% · 4.625%
HK$64,075
+HK$3,675/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$120,800/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,229
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,925
−HK$1,720/mo
Today · 4.125%
HK$66,645
baseline
▲ 0.50% · 4.625%
HK$70,158
+HK$3,513/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$133,290/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,075
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$75,348
−HK$2,309/mo
Today · 4.125%
HK$77,657
baseline
▲ 0.50% · 4.625%
HK$82,382
+HK$4,725/mo
Deposit HK$1.78M · loan HK$16.02M · min. income ≈ HK$155,314/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,639 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,295
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$83,475
−HK$2,212/mo
Today · 4.125%
HK$85,687
baseline
▲ 0.50% · 4.625%
HK$90,203
+HK$4,516/mo
Deposit HK$1.78M · loan HK$16.02M · min. income ≈ HK$171,374/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,639 · Scale 2, in force from 26 Feb 2026)