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$40,548
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,809
−HK$1,282/mo
Today · 4.125%
HK$43,091
baseline
▲ 0.50% · 4.625%
HK$45,713
+HK$2,622/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$86,182/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$666,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,109
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,319
−HK$1,227/mo
Today · 4.125%
HK$47,546
baseline
▲ 0.50% · 4.625%
HK$50,053
+HK$2,507/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$95,092/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$666,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,658
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$50,171
−HK$1,538/mo
Today · 4.125%
HK$51,709
baseline
▲ 0.50% · 4.625%
HK$54,855
+HK$3,146/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$103,418/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,131
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,583
−HK$1,473/mo
Today · 4.125%
HK$57,056
baseline
▲ 0.50% · 4.625%
HK$60,063
+HK$3,007/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$114,112/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,767
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,533
−HK$1,794/mo
Today · 4.125%
HK$60,327
baseline
▲ 0.50% · 4.625%
HK$63,998
+HK$3,671/mo
Deposit HK$5.33M · loan HK$12.45M · min. income ≈ HK$120,654/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,153
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,847
−HK$1,718/mo
Today · 4.125%
HK$66,565
baseline
▲ 0.50% · 4.625%
HK$70,074
+HK$3,509/mo
Deposit HK$5.33M · loan HK$12.45M · min. income ≈ HK$133,130/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,986
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$75,257
−HK$2,306/mo
Today · 4.125%
HK$77,563
baseline
▲ 0.50% · 4.625%
HK$82,283
+HK$4,720/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$155,126/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$666,833 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,197
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$83,374
−HK$2,209/mo
Today · 4.125%
HK$85,583
baseline
▲ 0.50% · 4.625%
HK$90,095
+HK$4,512/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$171,166/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$666,833 · Scale 2, in force from 26 Feb 2026)