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$40,521
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,781
−HK$1,281/mo
Today · 4.125%
HK$43,062
baseline
▲ 0.50% · 4.625%
HK$45,682
+HK$2,620/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$86,124/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,079
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,288
−HK$1,226/mo
Today · 4.125%
HK$47,514
baseline
▲ 0.50% · 4.625%
HK$50,019
+HK$2,505/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$95,028/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,625
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,137
−HK$1,537/mo
Today · 4.125%
HK$51,674
baseline
▲ 0.50% · 4.625%
HK$54,818
+HK$3,144/mo
Deposit HK$7.11M · loan HK$10.66M · min. income ≈ HK$103,348/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$666,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,094
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,545
−HK$1,472/mo
Today · 4.125%
HK$57,017
baseline
▲ 0.50% · 4.625%
HK$60,022
+HK$3,005/mo
Deposit HK$7.11M · loan HK$10.66M · min. income ≈ HK$114,034/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$666,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,729
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$58,493
−HK$1,793/mo
Today · 4.125%
HK$60,286
baseline
▲ 0.50% · 4.625%
HK$63,954
+HK$3,668/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$120,572/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,110
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,803
−HK$1,717/mo
Today · 4.125%
HK$66,520
baseline
▲ 0.50% · 4.625%
HK$70,026
+HK$3,506/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$133,040/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,937
−HK$4,574/mo
▼ 0.25% · 3.875%
HK$75,206
−HK$2,305/mo
Today · 4.125%
HK$77,511
baseline
▲ 0.50% · 4.625%
HK$82,227
+HK$4,716/mo
Deposit HK$1.78M · loan HK$15.99M · min. income ≈ HK$155,022/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,382 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,142
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$83,318
−HK$2,208/mo
Today · 4.125%
HK$85,526
baseline
▲ 0.50% · 4.625%
HK$90,034
+HK$4,508/mo
Deposit HK$1.78M · loan HK$15.99M · min. income ≈ HK$171,052/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,382 · Scale 2, in force from 26 Feb 2026)