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$40,603
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,866
−HK$1,283/mo
Today · 4.125%
HK$43,149
baseline
▲ 0.50% · 4.625%
HK$45,774
+HK$2,625/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$86,298/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,170
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,381
−HK$1,229/mo
Today · 4.125%
HK$47,610
baseline
▲ 0.50% · 4.625%
HK$50,120
+HK$2,510/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$95,220/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,723
−HK$3,055/mo
▼ 0.25% · 3.875%
HK$50,239
−HK$1,539/mo
Today · 4.125%
HK$51,778
baseline
▲ 0.50% · 4.625%
HK$54,929
+HK$3,151/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$103,556/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,204
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,658
−HK$1,474/mo
Today · 4.125%
HK$57,132
baseline
▲ 0.50% · 4.625%
HK$60,144
+HK$3,012/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$114,264/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,844
−HK$3,564/mo
▼ 0.25% · 3.875%
HK$58,612
−HK$1,796/mo
Today · 4.125%
HK$60,408
baseline
▲ 0.50% · 4.625%
HK$64,084
+HK$3,676/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$120,816/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,238
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,934
−HK$1,721/mo
Today · 4.125%
HK$66,655
baseline
▲ 0.50% · 4.625%
HK$70,168
+HK$3,513/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$133,310/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,085
−HK$4,583/mo
▼ 0.25% · 3.875%
HK$75,358
−HK$2,310/mo
Today · 4.125%
HK$77,668
baseline
▲ 0.50% · 4.625%
HK$82,394
+HK$4,726/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$155,336/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,731 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,306
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$83,487
−HK$2,212/mo
Today · 4.125%
HK$85,699
baseline
▲ 0.50% · 4.625%
HK$90,216
+HK$4,517/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$171,398/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,731 · Scale 2, in force from 26 Feb 2026)