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$40,579
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,842
−HK$1,282/mo
Today · 4.125%
HK$43,124
baseline
▲ 0.50% · 4.625%
HK$45,748
+HK$2,624/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$86,248/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,144
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,355
−HK$1,228/mo
Today · 4.125%
HK$47,583
baseline
▲ 0.50% · 4.625%
HK$50,091
+HK$2,508/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$95,166/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,695
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,210
−HK$1,539/mo
Today · 4.125%
HK$51,749
baseline
▲ 0.50% · 4.625%
HK$54,898
+HK$3,149/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$103,498/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,173
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,626
−HK$1,474/mo
Today · 4.125%
HK$57,100
baseline
▲ 0.50% · 4.625%
HK$60,110
+HK$3,010/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$114,200/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,811
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,578
−HK$1,796/mo
Today · 4.125%
HK$60,374
baseline
▲ 0.50% · 4.625%
HK$64,047
+HK$3,673/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$120,748/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,202
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,897
−HK$1,720/mo
Today · 4.125%
HK$66,617
baseline
▲ 0.50% · 4.625%
HK$70,128
+HK$3,511/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$133,234/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,043
−HK$4,581/mo
▼ 0.25% · 3.875%
HK$75,315
−HK$2,309/mo
Today · 4.125%
HK$77,624
baseline
▲ 0.50% · 4.625%
HK$82,347
+HK$4,723/mo
Deposit HK$1.78M · loan HK$16.02M · min. income ≈ HK$155,248/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,351 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,260
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$83,439
−HK$2,211/mo
Today · 4.125%
HK$85,650
baseline
▲ 0.50% · 4.625%
HK$90,165
+HK$4,515/mo
Deposit HK$1.78M · loan HK$16.02M · min. income ≈ HK$171,300/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,351 · Scale 2, in force from 26 Feb 2026)