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$40,499
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,758
−HK$1,280/mo
Today · 4.125%
HK$43,038
baseline
▲ 0.50% · 4.625%
HK$45,657
+HK$2,619/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$86,076/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,054
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,263
−HK$1,226/mo
Today · 4.125%
HK$47,489
baseline
▲ 0.50% · 4.625%
HK$49,992
+HK$2,503/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$94,978/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,599
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$50,110
−HK$1,536/mo
Today · 4.125%
HK$51,646
baseline
▲ 0.50% · 4.625%
HK$54,789
+HK$3,143/mo
Deposit HK$7.10M · loan HK$10.66M · min. income ≈ HK$103,292/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$666,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,065
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,515
−HK$1,471/mo
Today · 4.125%
HK$56,986
baseline
▲ 0.50% · 4.625%
HK$59,990
+HK$3,004/mo
Deposit HK$7.10M · loan HK$10.66M · min. income ≈ HK$113,972/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$666,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,698
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,462
−HK$1,792/mo
Today · 4.125%
HK$60,254
baseline
▲ 0.50% · 4.625%
HK$63,920
+HK$3,666/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$120,508/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$666,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,076
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$64,768
−HK$1,716/mo
Today · 4.125%
HK$66,484
baseline
▲ 0.50% · 4.625%
HK$69,989
+HK$3,505/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$132,968/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$666,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,898
−HK$4,571/mo
▼ 0.25% · 3.875%
HK$75,165
−HK$2,304/mo
Today · 4.125%
HK$77,469
baseline
▲ 0.50% · 4.625%
HK$82,183
+HK$4,714/mo
Deposit HK$1.78M · loan HK$15.98M · min. income ≈ HK$154,938/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,024 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,098
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$83,273
−HK$2,207/mo
Today · 4.125%
HK$85,480
baseline
▲ 0.50% · 4.625%
HK$89,985
+HK$4,505/mo
Deposit HK$1.78M · loan HK$15.98M · min. income ≈ HK$170,960/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,024 · Scale 2, in force from 26 Feb 2026)