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$40,567
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,829
−HK$1,282/mo
Today · 4.125%
HK$43,111
baseline
▲ 0.50% · 4.625%
HK$45,734
+HK$2,623/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$86,222/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$667,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,131
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,341
−HK$1,228/mo
Today · 4.125%
HK$47,569
baseline
▲ 0.50% · 4.625%
HK$50,076
+HK$2,507/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$95,138/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$667,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,681
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$50,195
−HK$1,538/mo
Today · 4.125%
HK$51,733
baseline
▲ 0.50% · 4.625%
HK$54,881
+HK$3,148/mo
Deposit HK$7.12M · loan HK$10.67M · min. income ≈ HK$103,466/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$667,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,157
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$55,609
−HK$1,474/mo
Today · 4.125%
HK$57,083
baseline
▲ 0.50% · 4.625%
HK$60,091
+HK$3,008/mo
Deposit HK$7.12M · loan HK$10.67M · min. income ≈ HK$114,166/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$667,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,794
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,561
−HK$1,795/mo
Today · 4.125%
HK$60,356
baseline
▲ 0.50% · 4.625%
HK$64,028
+HK$3,672/mo
Deposit HK$5.34M · loan HK$12.45M · min. income ≈ HK$120,712/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$667,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,183
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,877
−HK$1,719/mo
Today · 4.125%
HK$66,596
baseline
▲ 0.50% · 4.625%
HK$70,107
+HK$3,511/mo
Deposit HK$5.34M · loan HK$12.45M · min. income ≈ HK$133,192/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$667,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,021
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$75,292
−HK$2,308/mo
Today · 4.125%
HK$77,600
baseline
▲ 0.50% · 4.625%
HK$82,322
+HK$4,722/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$155,200/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,235
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$83,414
−HK$2,210/mo
Today · 4.125%
HK$85,624
baseline
▲ 0.50% · 4.625%
HK$90,137
+HK$4,513/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$171,248/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,149 · Scale 2, in force from 26 Feb 2026)