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$40,537
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,798
−HK$1,281/mo
Today · 4.125%
HK$43,079
baseline
▲ 0.50% · 4.625%
HK$45,700
+HK$2,621/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$86,158/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$666,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,097
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,307
−HK$1,227/mo
Today · 4.125%
HK$47,534
baseline
▲ 0.50% · 4.625%
HK$50,039
+HK$2,505/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$95,068/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$666,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,645
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,158
−HK$1,537/mo
Today · 4.125%
HK$51,695
baseline
▲ 0.50% · 4.625%
HK$54,841
+HK$3,146/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$103,390/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,117
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,568
−HK$1,472/mo
Today · 4.125%
HK$57,040
baseline
▲ 0.50% · 4.625%
HK$60,047
+HK$3,007/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$114,080/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,752
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,517
−HK$1,794/mo
Today · 4.125%
HK$60,311
baseline
▲ 0.50% · 4.625%
HK$63,981
+HK$3,670/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$120,622/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,136
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,829
−HK$1,718/mo
Today · 4.125%
HK$66,547
baseline
▲ 0.50% · 4.625%
HK$70,055
+HK$3,508/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$133,094/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,967
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$75,237
−HK$2,306/mo
Today · 4.125%
HK$77,543
baseline
▲ 0.50% · 4.625%
HK$82,261
+HK$4,718/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$155,086/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,655 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,175
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$83,352
−HK$2,209/mo
Today · 4.125%
HK$85,561
baseline
▲ 0.50% · 4.625%
HK$90,071
+HK$4,510/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$171,122/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,655 · Scale 2, in force from 26 Feb 2026)