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$40,607
−HK$2,546/mo
▼ 0.25% · 3.875%
HK$41,870
−HK$1,283/mo
Today · 4.125%
HK$43,153
baseline
▲ 0.50% · 4.625%
HK$45,779
+HK$2,626/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$86,306/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,175
−HK$2,440/mo
▼ 0.25% · 3.875%
HK$46,386
−HK$1,229/mo
Today · 4.125%
HK$47,615
baseline
▲ 0.50% · 4.625%
HK$50,125
+HK$2,510/mo
Deposit HK$8.90M · loan HK$8.90M · min. income ≈ HK$95,230/mo (50% DSR)
Upfront cash ≈ HK$9.57M (deposit + AVD stamp duty HK$667,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,728
−HK$3,056/mo
▼ 0.25% · 3.875%
HK$50,244
−HK$1,540/mo
Today · 4.125%
HK$51,784
baseline
▲ 0.50% · 4.625%
HK$54,935
+HK$3,151/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$103,568/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,209
−HK$2,929/mo
▼ 0.25% · 3.875%
HK$55,663
−HK$1,475/mo
Today · 4.125%
HK$57,138
baseline
▲ 0.50% · 4.625%
HK$60,150
+HK$3,012/mo
Deposit HK$7.12M · loan HK$10.68M · min. income ≈ HK$114,276/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$667,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,849
−HK$3,565/mo
▼ 0.25% · 3.875%
HK$58,618
−HK$1,796/mo
Today · 4.125%
HK$60,414
baseline
▲ 0.50% · 4.625%
HK$64,090
+HK$3,676/mo
Deposit HK$5.34M · loan HK$12.47M · min. income ≈ HK$120,828/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,244
−HK$3,417/mo
▼ 0.25% · 3.875%
HK$64,941
−HK$1,720/mo
Today · 4.125%
HK$66,661
baseline
▲ 0.50% · 4.625%
HK$70,175
+HK$3,514/mo
Deposit HK$5.34M · loan HK$12.47M · min. income ≈ HK$133,322/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$667,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,092
−HK$4,584/mo
▼ 0.25% · 3.875%
HK$75,366
−HK$2,310/mo
Today · 4.125%
HK$77,676
baseline
▲ 0.50% · 4.625%
HK$82,402
+HK$4,726/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$155,352/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,798 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,314
−HK$4,393/mo
▼ 0.25% · 3.875%
HK$83,495
−HK$2,212/mo
Today · 4.125%
HK$85,707
baseline
▲ 0.50% · 4.625%
HK$90,225
+HK$4,518/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$171,414/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,798 · Scale 2, in force from 26 Feb 2026)