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$40,615
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,879
−HK$1,283/mo
Today · 4.125%
HK$43,162
baseline
▲ 0.50% · 4.625%
HK$45,788
+HK$2,626/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$86,324/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,184
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,396
−HK$1,229/mo
Today · 4.125%
HK$47,625
baseline
▲ 0.50% · 4.625%
HK$50,136
+HK$2,511/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$95,250/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,738
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$50,254
−HK$1,541/mo
Today · 4.125%
HK$51,795
baseline
▲ 0.50% · 4.625%
HK$54,946
+HK$3,151/mo
Deposit HK$7.12M · loan HK$10.69M · min. income ≈ HK$103,590/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,221
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,675
−HK$1,475/mo
Today · 4.125%
HK$57,150
baseline
▲ 0.50% · 4.625%
HK$60,163
+HK$3,013/mo
Deposit HK$7.12M · loan HK$10.69M · min. income ≈ HK$114,300/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,861
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,630
−HK$1,797/mo
Today · 4.125%
HK$60,427
baseline
▲ 0.50% · 4.625%
HK$64,104
+HK$3,677/mo
Deposit HK$5.34M · loan HK$12.47M · min. income ≈ HK$120,854/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,258
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,954
−HK$1,721/mo
Today · 4.125%
HK$66,675
baseline
▲ 0.50% · 4.625%
HK$70,190
+HK$3,515/mo
Deposit HK$5.34M · loan HK$12.47M · min. income ≈ HK$133,350/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,107
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,381
−HK$2,311/mo
Today · 4.125%
HK$77,692
baseline
▲ 0.50% · 4.625%
HK$82,419
+HK$4,727/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$155,384/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,938 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,331
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,512
−HK$2,213/mo
Today · 4.125%
HK$85,725
baseline
▲ 0.50% · 4.625%
HK$90,244
+HK$4,519/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$171,450/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,938 · Scale 2, in force from 26 Feb 2026)