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$40,547
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,809
−HK$1,281/mo
Today · 4.125%
HK$43,090
baseline
▲ 0.50% · 4.625%
HK$45,712
+HK$2,622/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$86,180/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$666,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,109
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,318
−HK$1,228/mo
Today · 4.125%
HK$47,546
baseline
▲ 0.50% · 4.625%
HK$50,052
+HK$2,506/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$666,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,657
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$50,170
−HK$1,538/mo
Today · 4.125%
HK$51,708
baseline
▲ 0.50% · 4.625%
HK$54,854
+HK$3,146/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$103,416/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,130
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,582
−HK$1,473/mo
Today · 4.125%
HK$57,055
baseline
▲ 0.50% · 4.625%
HK$60,062
+HK$3,007/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$114,110/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,766
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,532
−HK$1,794/mo
Today · 4.125%
HK$60,326
baseline
▲ 0.50% · 4.625%
HK$63,997
+HK$3,671/mo
Deposit HK$5.33M · loan HK$12.45M · min. income ≈ HK$120,652/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,152
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,846
−HK$1,718/mo
Today · 4.125%
HK$66,564
baseline
▲ 0.50% · 4.625%
HK$70,072
+HK$3,508/mo
Deposit HK$5.33M · loan HK$12.45M · min. income ≈ HK$133,128/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,985
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$75,255
−HK$2,307/mo
Today · 4.125%
HK$77,562
baseline
▲ 0.50% · 4.625%
HK$82,282
+HK$4,720/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$155,124/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$666,823 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,195
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$83,373
−HK$2,209/mo
Today · 4.125%
HK$85,582
baseline
▲ 0.50% · 4.625%
HK$90,093
+HK$4,511/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$171,164/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$666,823 · Scale 2, in force from 26 Feb 2026)