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$40,575
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,837
−HK$1,282/mo
Today · 4.125%
HK$43,119
baseline
▲ 0.50% · 4.625%
HK$45,743
+HK$2,624/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$86,238/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$667,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,139
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,350
−HK$1,228/mo
Today · 4.125%
HK$47,578
baseline
▲ 0.50% · 4.625%
HK$50,086
+HK$2,508/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$95,156/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$667,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,690
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,204
−HK$1,539/mo
Today · 4.125%
HK$51,743
baseline
▲ 0.50% · 4.625%
HK$54,892
+HK$3,149/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$103,486/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$667,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,167
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$55,620
−HK$1,473/mo
Today · 4.125%
HK$57,093
baseline
▲ 0.50% · 4.625%
HK$60,103
+HK$3,010/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$114,186/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$667,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,805
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,572
−HK$1,795/mo
Today · 4.125%
HK$60,367
baseline
▲ 0.50% · 4.625%
HK$64,040
+HK$3,673/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$120,734/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,195
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,890
−HK$1,719/mo
Today · 4.125%
HK$66,609
baseline
▲ 0.50% · 4.625%
HK$70,120
+HK$3,511/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$133,218/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,035
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$75,306
−HK$2,309/mo
Today · 4.125%
HK$77,615
baseline
▲ 0.50% · 4.625%
HK$82,337
+HK$4,722/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$155,230/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,275 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,250
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$83,429
−HK$2,211/mo
Today · 4.125%
HK$85,640
baseline
▲ 0.50% · 4.625%
HK$90,154
+HK$4,514/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$171,280/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,275 · Scale 2, in force from 26 Feb 2026)