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$40,616
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,879
−HK$1,284/mo
Today · 4.125%
HK$43,163
baseline
▲ 0.50% · 4.625%
HK$45,789
+HK$2,626/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$86,326/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,184
−HK$2,442/mo
▼ 0.25% · 3.875%
HK$46,396
−HK$1,230/mo
Today · 4.125%
HK$47,626
baseline
▲ 0.50% · 4.625%
HK$50,136
+HK$2,510/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$95,252/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,739
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,255
−HK$1,540/mo
Today · 4.125%
HK$51,795
baseline
▲ 0.50% · 4.625%
HK$54,947
+HK$3,152/mo
Deposit HK$7.12M · loan HK$10.69M · min. income ≈ HK$103,590/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,221
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,676
−HK$1,475/mo
Today · 4.125%
HK$57,151
baseline
▲ 0.50% · 4.625%
HK$60,163
+HK$3,012/mo
Deposit HK$7.12M · loan HK$10.69M · min. income ≈ HK$114,302/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,862
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,631
−HK$1,797/mo
Today · 4.125%
HK$60,428
baseline
▲ 0.50% · 4.625%
HK$64,104
+HK$3,676/mo
Deposit HK$5.34M · loan HK$12.47M · min. income ≈ HK$120,856/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,258
−HK$3,418/mo
▼ 0.25% · 3.875%
HK$64,955
−HK$1,721/mo
Today · 4.125%
HK$66,676
baseline
▲ 0.50% · 4.625%
HK$70,190
+HK$3,514/mo
Deposit HK$5.34M · loan HK$12.47M · min. income ≈ HK$133,352/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,108
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,382
−HK$2,311/mo
Today · 4.125%
HK$77,693
baseline
▲ 0.50% · 4.625%
HK$82,420
+HK$4,727/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$155,386/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,332
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,513
−HK$2,213/mo
Today · 4.125%
HK$85,726
baseline
▲ 0.50% · 4.625%
HK$90,245
+HK$4,519/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$171,452/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,945 · Scale 2, in force from 26 Feb 2026)