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$40,611
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,874
−HK$1,284/mo
Today · 4.125%
HK$43,158
baseline
▲ 0.50% · 4.625%
HK$45,784
+HK$2,626/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$86,316/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,179
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,391
−HK$1,229/mo
Today · 4.125%
HK$47,620
baseline
▲ 0.50% · 4.625%
HK$50,130
+HK$2,510/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$95,240/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,733
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,249
−HK$1,540/mo
Today · 4.125%
HK$51,789
baseline
▲ 0.50% · 4.625%
HK$54,941
+HK$3,152/mo
Deposit HK$7.12M · loan HK$10.69M · min. income ≈ HK$103,578/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,215
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,669
−HK$1,475/mo
Today · 4.125%
HK$57,144
baseline
▲ 0.50% · 4.625%
HK$60,157
+HK$3,013/mo
Deposit HK$7.12M · loan HK$10.69M · min. income ≈ HK$114,288/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,856
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,624
−HK$1,797/mo
Today · 4.125%
HK$60,421
baseline
▲ 0.50% · 4.625%
HK$64,097
+HK$3,676/mo
Deposit HK$5.34M · loan HK$12.47M · min. income ≈ HK$120,842/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,251
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,948
−HK$1,720/mo
Today · 4.125%
HK$66,668
baseline
▲ 0.50% · 4.625%
HK$70,183
+HK$3,515/mo
Deposit HK$5.34M · loan HK$12.47M · min. income ≈ HK$133,336/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,100
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$75,374
−HK$2,310/mo
Today · 4.125%
HK$77,684
baseline
▲ 0.50% · 4.625%
HK$82,411
+HK$4,727/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$155,368/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,871 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,323
−HK$4,394/mo
▼ 0.25% · 3.875%
HK$83,504
−HK$2,213/mo
Today · 4.125%
HK$85,717
baseline
▲ 0.50% · 4.625%
HK$90,235
+HK$4,518/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$171,434/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,871 · Scale 2, in force from 26 Feb 2026)