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$40,539
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,800
−HK$1,281/mo
Today · 4.125%
HK$43,081
baseline
▲ 0.50% · 4.625%
HK$45,702
+HK$2,621/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$86,162/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$666,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,099
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,308
−HK$1,227/mo
Today · 4.125%
HK$47,535
baseline
▲ 0.50% · 4.625%
HK$50,041
+HK$2,506/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$95,070/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$666,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,646
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$50,160
−HK$1,537/mo
Today · 4.125%
HK$51,697
baseline
▲ 0.50% · 4.625%
HK$54,843
+HK$3,146/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$103,394/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,119
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,570
−HK$1,473/mo
Today · 4.125%
HK$57,043
baseline
▲ 0.50% · 4.625%
HK$60,049
+HK$3,006/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$114,086/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,754
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,520
−HK$1,793/mo
Today · 4.125%
HK$60,313
baseline
▲ 0.50% · 4.625%
HK$63,983
+HK$3,670/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$120,626/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,138
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,832
−HK$1,718/mo
Today · 4.125%
HK$66,550
baseline
▲ 0.50% · 4.625%
HK$70,058
+HK$3,508/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$133,100/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,970
−HK$4,576/mo
▼ 0.25% · 3.875%
HK$75,239
−HK$2,307/mo
Today · 4.125%
HK$77,546
baseline
▲ 0.50% · 4.625%
HK$82,264
+HK$4,718/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$155,092/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,681 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,178
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$83,355
−HK$2,209/mo
Today · 4.125%
HK$85,564
baseline
▲ 0.50% · 4.625%
HK$90,074
+HK$4,510/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$171,128/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,681 · Scale 2, in force from 26 Feb 2026)