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$40,552
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,813
−HK$1,282/mo
Today · 4.125%
HK$43,095
baseline
▲ 0.50% · 4.625%
HK$45,717
+HK$2,622/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$86,190/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$666,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,114
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,323
−HK$1,228/mo
Today · 4.125%
HK$47,551
baseline
▲ 0.50% · 4.625%
HK$50,057
+HK$2,506/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$95,102/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$666,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,662
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$50,176
−HK$1,538/mo
Today · 4.125%
HK$51,714
baseline
▲ 0.50% · 4.625%
HK$54,860
+HK$3,146/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$103,428/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,136
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,588
−HK$1,473/mo
Today · 4.125%
HK$57,061
baseline
▲ 0.50% · 4.625%
HK$60,069
+HK$3,008/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$114,122/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,773
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,539
−HK$1,794/mo
Today · 4.125%
HK$60,333
baseline
▲ 0.50% · 4.625%
HK$64,004
+HK$3,671/mo
Deposit HK$5.34M · loan HK$12.45M · min. income ≈ HK$120,666/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,159
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,853
−HK$1,718/mo
Today · 4.125%
HK$66,571
baseline
▲ 0.50% · 4.625%
HK$70,080
+HK$3,509/mo
Deposit HK$5.34M · loan HK$12.45M · min. income ≈ HK$133,142/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,993
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$75,264
−HK$2,307/mo
Today · 4.125%
HK$77,571
baseline
▲ 0.50% · 4.625%
HK$82,291
+HK$4,720/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$155,142/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$666,897 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,204
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$83,382
−HK$2,210/mo
Today · 4.125%
HK$85,592
baseline
▲ 0.50% · 4.625%
HK$90,103
+HK$4,511/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$171,184/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$666,897 · Scale 2, in force from 26 Feb 2026)