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$40,513
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,773
−HK$1,281/mo
Today · 4.125%
HK$43,054
baseline
▲ 0.50% · 4.625%
HK$45,673
+HK$2,619/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$86,108/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,071
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,279
−HK$1,227/mo
Today · 4.125%
HK$47,506
baseline
▲ 0.50% · 4.625%
HK$50,010
+HK$2,504/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$95,012/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,616
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,128
−HK$1,537/mo
Today · 4.125%
HK$51,665
baseline
▲ 0.50% · 4.625%
HK$54,808
+HK$3,143/mo
Deposit HK$7.11M · loan HK$10.66M · min. income ≈ HK$103,330/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$666,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,085
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,535
−HK$1,472/mo
Today · 4.125%
HK$57,007
baseline
▲ 0.50% · 4.625%
HK$60,012
+HK$3,005/mo
Deposit HK$7.11M · loan HK$10.66M · min. income ≈ HK$114,014/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$666,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,719
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,483
−HK$1,792/mo
Today · 4.125%
HK$60,275
baseline
▲ 0.50% · 4.625%
HK$63,943
+HK$3,668/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$120,550/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,099
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,791
−HK$1,717/mo
Today · 4.125%
HK$66,508
baseline
▲ 0.50% · 4.625%
HK$70,014
+HK$3,506/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$133,016/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,924
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$75,192
−HK$2,305/mo
Today · 4.125%
HK$77,497
baseline
▲ 0.50% · 4.625%
HK$82,212
+HK$4,715/mo
Deposit HK$1.78M · loan HK$15.99M · min. income ≈ HK$154,994/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,261 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,127
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$83,303
−HK$2,207/mo
Today · 4.125%
HK$85,510
baseline
▲ 0.50% · 4.625%
HK$90,017
+HK$4,507/mo
Deposit HK$1.78M · loan HK$15.99M · min. income ≈ HK$171,020/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,261 · Scale 2, in force from 26 Feb 2026)