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$40,518
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,779
−HK$1,280/mo
Today · 4.125%
HK$43,059
baseline
▲ 0.50% · 4.625%
HK$45,679
+HK$2,620/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$86,118/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,076
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,285
−HK$1,227/mo
Today · 4.125%
HK$47,512
baseline
▲ 0.50% · 4.625%
HK$50,016
+HK$2,504/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$95,024/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,622
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,135
−HK$1,536/mo
Today · 4.125%
HK$51,671
baseline
▲ 0.50% · 4.625%
HK$54,815
+HK$3,144/mo
Deposit HK$7.11M · loan HK$10.66M · min. income ≈ HK$103,342/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$666,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,092
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,542
−HK$1,472/mo
Today · 4.125%
HK$57,014
baseline
▲ 0.50% · 4.625%
HK$60,019
+HK$3,005/mo
Deposit HK$7.11M · loan HK$10.66M · min. income ≈ HK$114,028/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$666,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,726
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$58,490
−HK$1,793/mo
Today · 4.125%
HK$60,283
baseline
▲ 0.50% · 4.625%
HK$63,951
+HK$3,668/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$120,566/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,107
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,799
−HK$1,717/mo
Today · 4.125%
HK$66,516
baseline
▲ 0.50% · 4.625%
HK$70,023
+HK$3,507/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$133,032/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,933
−HK$4,574/mo
▼ 0.25% · 3.875%
HK$75,202
−HK$2,305/mo
Today · 4.125%
HK$77,507
baseline
▲ 0.50% · 4.625%
HK$82,223
+HK$4,716/mo
Deposit HK$1.78M · loan HK$15.99M · min. income ≈ HK$155,014/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,348 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,138
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$83,314
−HK$2,207/mo
Today · 4.125%
HK$85,521
baseline
▲ 0.50% · 4.625%
HK$90,029
+HK$4,508/mo
Deposit HK$1.78M · loan HK$15.99M · min. income ≈ HK$171,042/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,348 · Scale 2, in force from 26 Feb 2026)