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$40,585
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,847
−HK$1,283/mo
Today · 4.125%
HK$43,130
baseline
▲ 0.50% · 4.625%
HK$45,754
+HK$2,624/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$86,260/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,150
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,361
−HK$1,228/mo
Today · 4.125%
HK$47,589
baseline
▲ 0.50% · 4.625%
HK$50,098
+HK$2,509/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$95,178/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,702
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,217
−HK$1,539/mo
Today · 4.125%
HK$51,756
baseline
▲ 0.50% · 4.625%
HK$54,905
+HK$3,149/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$103,512/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,180
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,633
−HK$1,474/mo
Today · 4.125%
HK$57,107
baseline
▲ 0.50% · 4.625%
HK$60,118
+HK$3,011/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$114,214/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,819
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,586
−HK$1,796/mo
Today · 4.125%
HK$60,382
baseline
▲ 0.50% · 4.625%
HK$64,056
+HK$3,674/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$120,764/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,210
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,905
−HK$1,720/mo
Today · 4.125%
HK$66,625
baseline
▲ 0.50% · 4.625%
HK$70,137
+HK$3,512/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$133,250/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,053
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$75,325
−HK$2,309/mo
Today · 4.125%
HK$77,634
baseline
▲ 0.50% · 4.625%
HK$82,357
+HK$4,723/mo
Deposit HK$1.78M · loan HK$16.02M · min. income ≈ HK$155,268/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,438 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,270
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$83,450
−HK$2,211/mo
Today · 4.125%
HK$85,661
baseline
▲ 0.50% · 4.625%
HK$90,176
+HK$4,515/mo
Deposit HK$1.78M · loan HK$16.02M · min. income ≈ HK$171,322/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,438 · Scale 2, in force from 26 Feb 2026)