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$40,586
−HK$2,545/mo
▼ 0.25% · 3.875%
HK$41,849
−HK$1,282/mo
Today · 4.125%
HK$43,131
baseline
▲ 0.50% · 4.625%
HK$45,756
+HK$2,625/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$86,262/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,152
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,363
−HK$1,228/mo
Today · 4.125%
HK$47,591
baseline
▲ 0.50% · 4.625%
HK$50,100
+HK$2,509/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$95,182/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,704
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,219
−HK$1,539/mo
Today · 4.125%
HK$51,758
baseline
▲ 0.50% · 4.625%
HK$54,907
+HK$3,149/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$103,516/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,182
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,635
−HK$1,475/mo
Today · 4.125%
HK$57,110
baseline
▲ 0.50% · 4.625%
HK$60,120
+HK$3,010/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$114,220/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,821
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,588
−HK$1,796/mo
Today · 4.125%
HK$60,384
baseline
▲ 0.50% · 4.625%
HK$64,058
+HK$3,674/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$120,768/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,213
−HK$3,415/mo
▼ 0.25% · 3.875%
HK$64,908
−HK$1,720/mo
Today · 4.125%
HK$66,628
baseline
▲ 0.50% · 4.625%
HK$70,140
+HK$3,512/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$133,256/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,055
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$75,328
−HK$2,309/mo
Today · 4.125%
HK$77,637
baseline
▲ 0.50% · 4.625%
HK$82,361
+HK$4,724/mo
Deposit HK$1.78M · loan HK$16.02M · min. income ≈ HK$155,274/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,273
−HK$4,391/mo
▼ 0.25% · 3.875%
HK$83,453
−HK$2,211/mo
Today · 4.125%
HK$85,664
baseline
▲ 0.50% · 4.625%
HK$90,180
+HK$4,516/mo
Deposit HK$1.78M · loan HK$16.02M · min. income ≈ HK$171,328/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,464 · Scale 2, in force from 26 Feb 2026)