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$40,527
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,788
−HK$1,280/mo
Today · 4.125%
HK$43,068
baseline
▲ 0.50% · 4.625%
HK$45,689
+HK$2,621/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$86,136/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,086
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,295
−HK$1,227/mo
Today · 4.125%
HK$47,522
baseline
▲ 0.50% · 4.625%
HK$50,027
+HK$2,505/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$95,044/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,632
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,145
−HK$1,537/mo
Today · 4.125%
HK$51,682
baseline
▲ 0.50% · 4.625%
HK$54,827
+HK$3,145/mo
Deposit HK$7.11M · loan HK$10.66M · min. income ≈ HK$103,364/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,103
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,554
−HK$1,472/mo
Today · 4.125%
HK$57,026
baseline
▲ 0.50% · 4.625%
HK$60,032
+HK$3,006/mo
Deposit HK$7.11M · loan HK$10.66M · min. income ≈ HK$114,052/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,738
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,503
−HK$1,793/mo
Today · 4.125%
HK$60,296
baseline
▲ 0.50% · 4.625%
HK$63,965
+HK$3,669/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$120,592/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,120
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,813
−HK$1,717/mo
Today · 4.125%
HK$66,530
baseline
▲ 0.50% · 4.625%
HK$70,037
+HK$3,507/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$133,060/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,948
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$75,218
−HK$2,305/mo
Today · 4.125%
HK$77,523
baseline
▲ 0.50% · 4.625%
HK$82,240
+HK$4,717/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$155,046/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,487 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,154
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$83,331
−HK$2,208/mo
Today · 4.125%
HK$85,539
baseline
▲ 0.50% · 4.625%
HK$90,048
+HK$4,509/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$171,078/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,487 · Scale 2, in force from 26 Feb 2026)