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$40,568
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,830
−HK$1,282/mo
Today · 4.125%
HK$43,112
baseline
▲ 0.50% · 4.625%
HK$45,736
+HK$2,624/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$86,224/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$667,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,132
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,342
−HK$1,228/mo
Today · 4.125%
HK$47,570
baseline
▲ 0.50% · 4.625%
HK$50,078
+HK$2,508/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$95,140/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$667,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,682
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,196
−HK$1,539/mo
Today · 4.125%
HK$51,735
baseline
▲ 0.50% · 4.625%
HK$54,883
+HK$3,148/mo
Deposit HK$7.12M · loan HK$10.67M · min. income ≈ HK$103,470/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$667,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,158
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$55,611
−HK$1,473/mo
Today · 4.125%
HK$57,084
baseline
▲ 0.50% · 4.625%
HK$60,093
+HK$3,009/mo
Deposit HK$7.12M · loan HK$10.67M · min. income ≈ HK$114,168/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$667,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,796
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,562
−HK$1,795/mo
Today · 4.125%
HK$60,357
baseline
▲ 0.50% · 4.625%
HK$64,030
+HK$3,673/mo
Deposit HK$5.34M · loan HK$12.45M · min. income ≈ HK$120,714/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$667,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,184
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,879
−HK$1,719/mo
Today · 4.125%
HK$66,598
baseline
▲ 0.50% · 4.625%
HK$70,109
+HK$3,511/mo
Deposit HK$5.34M · loan HK$12.45M · min. income ≈ HK$133,196/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$667,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,023
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$75,294
−HK$2,308/mo
Today · 4.125%
HK$77,602
baseline
▲ 0.50% · 4.625%
HK$82,324
+HK$4,722/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$155,204/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,237
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$83,416
−HK$2,210/mo
Today · 4.125%
HK$85,626
baseline
▲ 0.50% · 4.625%
HK$90,140
+HK$4,514/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$171,252/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,167 · Scale 2, in force from 26 Feb 2026)