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$40,528
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,789
−HK$1,281/mo
Today · 4.125%
HK$43,070
baseline
▲ 0.50% · 4.625%
HK$45,690
+HK$2,620/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$86,140/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,087
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,296
−HK$1,227/mo
Today · 4.125%
HK$47,523
baseline
▲ 0.50% · 4.625%
HK$50,028
+HK$2,505/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$95,046/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,634
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,147
−HK$1,537/mo
Today · 4.125%
HK$51,684
baseline
▲ 0.50% · 4.625%
HK$54,828
+HK$3,144/mo
Deposit HK$7.11M · loan HK$10.66M · min. income ≈ HK$103,368/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,105
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,556
−HK$1,472/mo
Today · 4.125%
HK$57,028
baseline
▲ 0.50% · 4.625%
HK$60,034
+HK$3,006/mo
Deposit HK$7.11M · loan HK$10.66M · min. income ≈ HK$114,056/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,739
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,504
−HK$1,794/mo
Today · 4.125%
HK$60,298
baseline
▲ 0.50% · 4.625%
HK$63,966
+HK$3,668/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$120,596/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,122
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,815
−HK$1,717/mo
Today · 4.125%
HK$66,532
baseline
▲ 0.50% · 4.625%
HK$70,039
+HK$3,507/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$133,064/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,951
−HK$4,574/mo
▼ 0.25% · 3.875%
HK$75,220
−HK$2,305/mo
Today · 4.125%
HK$77,525
baseline
▲ 0.50% · 4.625%
HK$82,243
+HK$4,718/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$155,050/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,157
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$83,334
−HK$2,208/mo
Today · 4.125%
HK$85,542
baseline
▲ 0.50% · 4.625%
HK$90,051
+HK$4,509/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$171,084/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,507 · Scale 2, in force from 26 Feb 2026)