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$40,588
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,850
−HK$1,283/mo
Today · 4.125%
HK$43,133
baseline
▲ 0.50% · 4.625%
HK$45,758
+HK$2,625/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$86,266/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,153
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,364
−HK$1,229/mo
Today · 4.125%
HK$47,593
baseline
▲ 0.50% · 4.625%
HK$50,102
+HK$2,509/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$95,186/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,705
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,220
−HK$1,540/mo
Today · 4.125%
HK$51,760
baseline
▲ 0.50% · 4.625%
HK$54,909
+HK$3,149/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$103,520/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,184
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,637
−HK$1,475/mo
Today · 4.125%
HK$57,112
baseline
▲ 0.50% · 4.625%
HK$60,122
+HK$3,010/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$114,224/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,823
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,590
−HK$1,796/mo
Today · 4.125%
HK$60,386
baseline
▲ 0.50% · 4.625%
HK$64,061
+HK$3,675/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$120,772/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,215
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,910
−HK$1,720/mo
Today · 4.125%
HK$66,630
baseline
▲ 0.50% · 4.625%
HK$70,142
+HK$3,512/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$133,260/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,058
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$75,330
−HK$2,309/mo
Today · 4.125%
HK$77,639
baseline
▲ 0.50% · 4.625%
HK$82,364
+HK$4,725/mo
Deposit HK$1.78M · loan HK$16.02M · min. income ≈ HK$155,278/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,276
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$83,456
−HK$2,211/mo
Today · 4.125%
HK$85,667
baseline
▲ 0.50% · 4.625%
HK$90,183
+HK$4,516/mo
Deposit HK$1.78M · loan HK$16.02M · min. income ≈ HK$171,334/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,487 · Scale 2, in force from 26 Feb 2026)