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$40,586
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,848
−HK$1,283/mo
Today · 4.125%
HK$43,131
baseline
▲ 0.50% · 4.625%
HK$45,755
+HK$2,624/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$86,262/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,151
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,362
−HK$1,228/mo
Today · 4.125%
HK$47,590
baseline
▲ 0.50% · 4.625%
HK$50,099
+HK$2,509/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$95,180/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,703
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,218
−HK$1,539/mo
Today · 4.125%
HK$51,757
baseline
▲ 0.50% · 4.625%
HK$54,906
+HK$3,149/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$103,514/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,181
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,634
−HK$1,475/mo
Today · 4.125%
HK$57,109
baseline
▲ 0.50% · 4.625%
HK$60,119
+HK$3,010/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$114,218/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,820
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,587
−HK$1,796/mo
Today · 4.125%
HK$60,383
baseline
▲ 0.50% · 4.625%
HK$64,057
+HK$3,674/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$120,766/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,211
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,907
−HK$1,720/mo
Today · 4.125%
HK$66,627
baseline
▲ 0.50% · 4.625%
HK$70,139
+HK$3,512/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$133,254/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,054
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$75,326
−HK$2,309/mo
Today · 4.125%
HK$77,635
baseline
▲ 0.50% · 4.625%
HK$82,359
+HK$4,724/mo
Deposit HK$1.78M · loan HK$16.02M · min. income ≈ HK$155,270/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,451 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,272
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$83,452
−HK$2,211/mo
Today · 4.125%
HK$85,663
baseline
▲ 0.50% · 4.625%
HK$90,178
+HK$4,515/mo
Deposit HK$1.78M · loan HK$16.02M · min. income ≈ HK$171,326/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,451 · Scale 2, in force from 26 Feb 2026)