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$40,562
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,824
−HK$1,282/mo
Today · 4.125%
HK$43,106
baseline
▲ 0.50% · 4.625%
HK$45,729
+HK$2,623/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$86,212/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$667,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,125
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,335
−HK$1,228/mo
Today · 4.125%
HK$47,563
baseline
▲ 0.50% · 4.625%
HK$50,070
+HK$2,507/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$95,126/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$667,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,675
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$50,189
−HK$1,538/mo
Today · 4.125%
HK$51,727
baseline
▲ 0.50% · 4.625%
HK$54,874
+HK$3,147/mo
Deposit HK$7.12M · loan HK$10.67M · min. income ≈ HK$103,454/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$667,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,150
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$55,602
−HK$1,474/mo
Today · 4.125%
HK$57,076
baseline
▲ 0.50% · 4.625%
HK$60,084
+HK$3,008/mo
Deposit HK$7.12M · loan HK$10.67M · min. income ≈ HK$114,152/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$667,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,787
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,553
−HK$1,795/mo
Today · 4.125%
HK$60,348
baseline
▲ 0.50% · 4.625%
HK$64,020
+HK$3,672/mo
Deposit HK$5.34M · loan HK$12.45M · min. income ≈ HK$120,696/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$667,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,175
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,869
−HK$1,719/mo
Today · 4.125%
HK$66,588
baseline
▲ 0.50% · 4.625%
HK$70,098
+HK$3,510/mo
Deposit HK$5.34M · loan HK$12.45M · min. income ≈ HK$133,176/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$667,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,012
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$75,283
−HK$2,307/mo
Today · 4.125%
HK$77,590
baseline
▲ 0.50% · 4.625%
HK$82,312
+HK$4,722/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$155,180/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,066 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,225
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$83,403
−HK$2,210/mo
Today · 4.125%
HK$85,613
baseline
▲ 0.50% · 4.625%
HK$90,126
+HK$4,513/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$171,226/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,066 · Scale 2, in force from 26 Feb 2026)