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$40,598
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,861
−HK$1,283/mo
Today · 4.125%
HK$43,144
baseline
▲ 0.50% · 4.625%
HK$45,769
+HK$2,625/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$86,288/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,165
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,377
−HK$1,228/mo
Today · 4.125%
HK$47,605
baseline
▲ 0.50% · 4.625%
HK$50,115
+HK$2,510/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$95,210/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,718
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,233
−HK$1,540/mo
Today · 4.125%
HK$51,773
baseline
▲ 0.50% · 4.625%
HK$54,923
+HK$3,150/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$103,546/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,198
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,652
−HK$1,474/mo
Today · 4.125%
HK$57,126
baseline
▲ 0.50% · 4.625%
HK$60,138
+HK$3,012/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$114,252/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,838
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,606
−HK$1,796/mo
Today · 4.125%
HK$60,402
baseline
▲ 0.50% · 4.625%
HK$64,077
+HK$3,675/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$120,804/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,231
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,927
−HK$1,720/mo
Today · 4.125%
HK$66,647
baseline
▲ 0.50% · 4.625%
HK$70,161
+HK$3,514/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$133,294/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,077
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$75,350
−HK$2,310/mo
Today · 4.125%
HK$77,660
baseline
▲ 0.50% · 4.625%
HK$82,385
+HK$4,725/mo
Deposit HK$1.78M · loan HK$16.02M · min. income ≈ HK$155,320/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,661 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,297
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$83,478
−HK$2,212/mo
Today · 4.125%
HK$85,690
baseline
▲ 0.50% · 4.625%
HK$90,206
+HK$4,516/mo
Deposit HK$1.78M · loan HK$16.02M · min. income ≈ HK$171,380/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,661 · Scale 2, in force from 26 Feb 2026)