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$40,572
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,834
−HK$1,282/mo
Today · 4.125%
HK$43,116
baseline
▲ 0.50% · 4.625%
HK$45,740
+HK$2,624/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$86,232/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$667,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,136
−HK$2,439/mo
▼ 0.25% · 3.875%
HK$46,347
−HK$1,228/mo
Today · 4.125%
HK$47,575
baseline
▲ 0.50% · 4.625%
HK$50,082
+HK$2,507/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$95,150/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$667,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,687
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,201
−HK$1,539/mo
Today · 4.125%
HK$51,740
baseline
▲ 0.50% · 4.625%
HK$54,888
+HK$3,148/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$103,480/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$667,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,163
−HK$2,927/mo
▼ 0.25% · 3.875%
HK$55,616
−HK$1,474/mo
Today · 4.125%
HK$57,090
baseline
▲ 0.50% · 4.625%
HK$60,099
+HK$3,009/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$114,180/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$667,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,801
−HK$3,562/mo
▼ 0.25% · 3.875%
HK$58,568
−HK$1,795/mo
Today · 4.125%
HK$60,363
baseline
▲ 0.50% · 4.625%
HK$64,036
+HK$3,673/mo
Deposit HK$5.34M · loan HK$12.45M · min. income ≈ HK$120,726/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,191
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,885
−HK$1,720/mo
Today · 4.125%
HK$66,605
baseline
▲ 0.50% · 4.625%
HK$70,115
+HK$3,510/mo
Deposit HK$5.34M · loan HK$12.45M · min. income ≈ HK$133,210/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,030
−HK$4,580/mo
▼ 0.25% · 3.875%
HK$75,302
−HK$2,308/mo
Today · 4.125%
HK$77,610
baseline
▲ 0.50% · 4.625%
HK$82,332
+HK$4,722/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$155,220/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,232 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,245
−HK$4,390/mo
▼ 0.25% · 3.875%
HK$83,424
−HK$2,211/mo
Today · 4.125%
HK$85,635
baseline
▲ 0.50% · 4.625%
HK$90,148
+HK$4,513/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$171,270/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,232 · Scale 2, in force from 26 Feb 2026)