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$40,535
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,796
−HK$1,281/mo
Today · 4.125%
HK$43,077
baseline
▲ 0.50% · 4.625%
HK$45,699
+HK$2,622/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$86,154/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,095
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,305
−HK$1,227/mo
Today · 4.125%
HK$47,532
baseline
▲ 0.50% · 4.625%
HK$50,037
+HK$2,505/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$95,064/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,643
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,156
−HK$1,537/mo
Today · 4.125%
HK$51,693
baseline
▲ 0.50% · 4.625%
HK$54,838
+HK$3,145/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$103,386/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,114
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,566
−HK$1,472/mo
Today · 4.125%
HK$57,038
baseline
▲ 0.50% · 4.625%
HK$60,045
+HK$3,007/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$114,076/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,750
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,515
−HK$1,793/mo
Today · 4.125%
HK$60,308
baseline
▲ 0.50% · 4.625%
HK$63,978
+HK$3,670/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$120,616/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,133
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,827
−HK$1,717/mo
Today · 4.125%
HK$66,544
baseline
▲ 0.50% · 4.625%
HK$70,052
+HK$3,508/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$133,088/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,964
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$75,233
−HK$2,306/mo
Today · 4.125%
HK$77,539
baseline
▲ 0.50% · 4.625%
HK$82,257
+HK$4,718/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$155,078/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,627 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,172
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$83,348
−HK$2,209/mo
Today · 4.125%
HK$85,557
baseline
▲ 0.50% · 4.625%
HK$90,067
+HK$4,510/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$171,114/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,627 · Scale 2, in force from 26 Feb 2026)