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$40,591
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,854
−HK$1,283/mo
Today · 4.125%
HK$43,137
baseline
▲ 0.50% · 4.625%
HK$45,761
+HK$2,624/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$86,274/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,157
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,368
−HK$1,229/mo
Today · 4.125%
HK$47,597
baseline
▲ 0.50% · 4.625%
HK$50,106
+HK$2,509/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$95,194/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,710
−HK$3,054/mo
▼ 0.25% · 3.875%
HK$50,225
−HK$1,539/mo
Today · 4.125%
HK$51,764
baseline
▲ 0.50% · 4.625%
HK$54,914
+HK$3,150/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$103,528/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,189
−HK$2,928/mo
▼ 0.25% · 3.875%
HK$55,642
−HK$1,475/mo
Today · 4.125%
HK$57,117
baseline
▲ 0.50% · 4.625%
HK$60,127
+HK$3,010/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$114,234/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,828
−HK$3,563/mo
▼ 0.25% · 3.875%
HK$58,595
−HK$1,796/mo
Today · 4.125%
HK$60,391
baseline
▲ 0.50% · 4.625%
HK$64,066
+HK$3,675/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$120,782/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,220
−HK$3,416/mo
▼ 0.25% · 3.875%
HK$64,916
−HK$1,720/mo
Today · 4.125%
HK$66,636
baseline
▲ 0.50% · 4.625%
HK$70,148
+HK$3,512/mo
Deposit HK$5.34M · loan HK$12.46M · min. income ≈ HK$133,272/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,064
−HK$4,582/mo
▼ 0.25% · 3.875%
HK$75,337
−HK$2,309/mo
Today · 4.125%
HK$77,646
baseline
▲ 0.50% · 4.625%
HK$82,371
+HK$4,725/mo
Deposit HK$1.78M · loan HK$16.02M · min. income ≈ HK$155,292/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,545 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,283
−HK$4,392/mo
▼ 0.25% · 3.875%
HK$83,463
−HK$2,212/mo
Today · 4.125%
HK$85,675
baseline
▲ 0.50% · 4.625%
HK$90,191
+HK$4,516/mo
Deposit HK$1.78M · loan HK$16.02M · min. income ≈ HK$171,350/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,545 · Scale 2, in force from 26 Feb 2026)