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$40,574
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,836
−HK$1,282/mo
Today · 4.125%
HK$43,118
baseline
▲ 0.50% · 4.625%
HK$45,742
+HK$2,624/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$86,236/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$667,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,138
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,348
−HK$1,228/mo
Today · 4.125%
HK$47,576
baseline
▲ 0.50% · 4.625%
HK$50,084
+HK$2,508/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$95,152/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$667,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,688
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,203
−HK$1,539/mo
Today · 4.125%
HK$51,742
baseline
▲ 0.50% · 4.625%
HK$54,890
+HK$3,148/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$103,484/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$667,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,165
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,618
−HK$1,474/mo
Today · 4.125%
HK$57,092
baseline
▲ 0.50% · 4.625%
HK$60,101
+HK$3,009/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$114,184/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$667,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,803
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,570
−HK$1,795/mo
Today · 4.125%
HK$60,365
baseline
▲ 0.50% · 4.625%
HK$64,038
+HK$3,673/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$120,730/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,193
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,888
−HK$1,719/mo
Today · 4.125%
HK$66,607
baseline
▲ 0.50% · 4.625%
HK$70,118
+HK$3,511/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$133,214/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,033
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$75,304
−HK$2,308/mo
Today · 4.125%
HK$77,612
baseline
▲ 0.50% · 4.625%
HK$82,335
+HK$4,723/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$155,224/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,255 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,248
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$83,427
−HK$2,210/mo
Today · 4.125%
HK$85,637
baseline
▲ 0.50% · 4.625%
HK$90,152
+HK$4,515/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$171,274/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,255 · Scale 2, in force from 26 Feb 2026)