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$40,573
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,835
−HK$1,282/mo
Today · 4.125%
HK$43,117
baseline
▲ 0.50% · 4.625%
HK$45,741
+HK$2,624/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$86,234/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$667,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,137
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,347
−HK$1,229/mo
Today · 4.125%
HK$47,576
baseline
▲ 0.50% · 4.625%
HK$50,083
+HK$2,507/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$667,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,687
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,202
−HK$1,539/mo
Today · 4.125%
HK$51,741
baseline
▲ 0.50% · 4.625%
HK$54,889
+HK$3,148/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$103,482/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$667,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,164
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,617
−HK$1,474/mo
Today · 4.125%
HK$57,091
baseline
▲ 0.50% · 4.625%
HK$60,100
+HK$3,009/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$114,182/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$667,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,802
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,569
−HK$1,795/mo
Today · 4.125%
HK$60,364
baseline
▲ 0.50% · 4.625%
HK$64,037
+HK$3,673/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$120,728/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,192
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,886
−HK$1,720/mo
Today · 4.125%
HK$66,606
baseline
▲ 0.50% · 4.625%
HK$70,117
+HK$3,511/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$133,212/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,031
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$75,303
−HK$2,308/mo
Today · 4.125%
HK$77,611
baseline
▲ 0.50% · 4.625%
HK$82,333
+HK$4,722/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$155,222/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,246
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$83,425
−HK$2,211/mo
Today · 4.125%
HK$85,636
baseline
▲ 0.50% · 4.625%
HK$90,150
+HK$4,514/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$171,272/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,243 · Scale 2, in force from 26 Feb 2026)