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$40,601
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,864
−HK$1,283/mo
Today · 4.125%
HK$43,147
baseline
▲ 0.50% · 4.625%
HK$45,773
+HK$2,626/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$86,294/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,168
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,380
−HK$1,229/mo
Today · 4.125%
HK$47,609
baseline
▲ 0.50% · 4.625%
HK$50,118
+HK$2,509/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$95,218/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,721
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,237
−HK$1,540/mo
Today · 4.125%
HK$51,777
baseline
▲ 0.50% · 4.625%
HK$54,927
+HK$3,150/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$103,554/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,202
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,656
−HK$1,474/mo
Today · 4.125%
HK$57,130
baseline
▲ 0.50% · 4.625%
HK$60,142
+HK$3,012/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$114,260/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,842
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,610
−HK$1,796/mo
Today · 4.125%
HK$60,406
baseline
▲ 0.50% · 4.625%
HK$64,082
+HK$3,676/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$120,812/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,236
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,932
−HK$1,720/mo
Today · 4.125%
HK$66,652
baseline
▲ 0.50% · 4.625%
HK$70,165
+HK$3,513/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$133,304/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,082
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$75,355
−HK$2,310/mo
Today · 4.125%
HK$77,665
baseline
▲ 0.50% · 4.625%
HK$82,391
+HK$4,726/mo
Deposit HK$1.78M · loan HK$16.02M · min. income ≈ HK$155,330/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,707 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,303
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$83,483
−HK$2,213/mo
Today · 4.125%
HK$85,696
baseline
▲ 0.50% · 4.625%
HK$90,213
+HK$4,517/mo
Deposit HK$1.78M · loan HK$16.02M · min. income ≈ HK$171,392/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,707 · Scale 2, in force from 26 Feb 2026)