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$40,529
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,790
−HK$1,281/mo
Today · 4.125%
HK$43,071
baseline
▲ 0.50% · 4.625%
HK$45,692
+HK$2,621/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$86,142/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,089
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,298
−HK$1,227/mo
Today · 4.125%
HK$47,525
baseline
▲ 0.50% · 4.625%
HK$50,030
+HK$2,505/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$95,050/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,635
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,148
−HK$1,537/mo
Today · 4.125%
HK$51,685
baseline
▲ 0.50% · 4.625%
HK$54,830
+HK$3,145/mo
Deposit HK$7.11M · loan HK$10.66M · min. income ≈ HK$103,370/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,106
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,557
−HK$1,473/mo
Today · 4.125%
HK$57,030
baseline
▲ 0.50% · 4.625%
HK$60,036
+HK$3,006/mo
Deposit HK$7.11M · loan HK$10.66M · min. income ≈ HK$114,060/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,741
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,506
−HK$1,793/mo
Today · 4.125%
HK$60,299
baseline
▲ 0.50% · 4.625%
HK$63,968
+HK$3,669/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$120,598/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,124
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,817
−HK$1,717/mo
Today · 4.125%
HK$66,534
baseline
▲ 0.50% · 4.625%
HK$70,042
+HK$3,508/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$133,068/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,953
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$75,222
−HK$2,306/mo
Today · 4.125%
HK$77,528
baseline
▲ 0.50% · 4.625%
HK$82,245
+HK$4,717/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$155,056/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,528 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,159
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$83,336
−HK$2,208/mo
Today · 4.125%
HK$85,544
baseline
▲ 0.50% · 4.625%
HK$90,053
+HK$4,509/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$171,088/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,528 · Scale 2, in force from 26 Feb 2026)