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$40,553
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,814
−HK$1,282/mo
Today · 4.125%
HK$43,096
baseline
▲ 0.50% · 4.625%
HK$45,718
+HK$2,622/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$86,192/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$666,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,115
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,325
−HK$1,227/mo
Today · 4.125%
HK$47,552
baseline
▲ 0.50% · 4.625%
HK$50,059
+HK$2,507/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$95,104/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$666,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,663
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$50,177
−HK$1,538/mo
Today · 4.125%
HK$51,715
baseline
▲ 0.50% · 4.625%
HK$54,862
+HK$3,147/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$103,430/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,137
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,589
−HK$1,473/mo
Today · 4.125%
HK$57,062
baseline
▲ 0.50% · 4.625%
HK$60,070
+HK$3,008/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$114,124/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,774
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,540
−HK$1,794/mo
Today · 4.125%
HK$60,334
baseline
▲ 0.50% · 4.625%
HK$64,005
+HK$3,671/mo
Deposit HK$5.34M · loan HK$12.45M · min. income ≈ HK$120,668/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,160
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,854
−HK$1,719/mo
Today · 4.125%
HK$66,573
baseline
▲ 0.50% · 4.625%
HK$70,082
+HK$3,509/mo
Deposit HK$5.34M · loan HK$12.45M · min. income ≈ HK$133,146/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,995
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$75,266
−HK$2,306/mo
Today · 4.125%
HK$77,572
baseline
▲ 0.50% · 4.625%
HK$82,293
+HK$4,721/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$155,144/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$666,912 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,206
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$83,384
−HK$2,210/mo
Today · 4.125%
HK$85,594
baseline
▲ 0.50% · 4.625%
HK$90,105
+HK$4,511/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$171,188/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$666,912 · Scale 2, in force from 26 Feb 2026)