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$40,501
−HK$2,539/mo
▼ 0.25% · 3.875%
HK$41,760
−HK$1,280/mo
Today · 4.125%
HK$43,040
baseline
▲ 0.50% · 4.625%
HK$45,659
+HK$2,619/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$86,080/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,056
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,265
−HK$1,226/mo
Today · 4.125%
HK$47,491
baseline
▲ 0.50% · 4.625%
HK$49,994
+HK$2,503/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$94,982/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,601
−HK$3,047/mo
▼ 0.25% · 3.875%
HK$50,112
−HK$1,536/mo
Today · 4.125%
HK$51,648
baseline
▲ 0.50% · 4.625%
HK$54,791
+HK$3,143/mo
Deposit HK$7.10M · loan HK$10.66M · min. income ≈ HK$103,296/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$666,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,068
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,518
−HK$1,471/mo
Today · 4.125%
HK$56,989
baseline
▲ 0.50% · 4.625%
HK$59,993
+HK$3,004/mo
Deposit HK$7.10M · loan HK$10.66M · min. income ≈ HK$113,978/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$666,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,701
−HK$3,555/mo
▼ 0.25% · 3.875%
HK$58,465
−HK$1,791/mo
Today · 4.125%
HK$60,256
baseline
▲ 0.50% · 4.625%
HK$63,923
+HK$3,667/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$120,512/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$666,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,079
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$64,771
−HK$1,716/mo
Today · 4.125%
HK$66,487
baseline
▲ 0.50% · 4.625%
HK$69,992
+HK$3,505/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$132,974/mo (50% DSR)
Upfront cash ≈ HK$5.99M (deposit + AVD stamp duty HK$666,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,901
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$75,169
−HK$2,304/mo
Today · 4.125%
HK$77,473
baseline
▲ 0.50% · 4.625%
HK$82,187
+HK$4,714/mo
Deposit HK$1.78M · loan HK$15.99M · min. income ≈ HK$154,946/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,054 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,102
−HK$4,381/mo
▼ 0.25% · 3.875%
HK$83,277
−HK$2,206/mo
Today · 4.125%
HK$85,483
baseline
▲ 0.50% · 4.625%
HK$89,989
+HK$4,506/mo
Deposit HK$1.78M · loan HK$15.99M · min. income ≈ HK$170,966/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,054 · Scale 2, in force from 26 Feb 2026)