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$40,565
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,827
−HK$1,282/mo
Today · 4.125%
HK$43,109
baseline
▲ 0.50% · 4.625%
HK$45,732
+HK$2,623/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$86,218/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$667,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,128
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,338
−HK$1,228/mo
Today · 4.125%
HK$47,566
baseline
▲ 0.50% · 4.625%
HK$50,073
+HK$2,507/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$95,132/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$667,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,678
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$50,192
−HK$1,538/mo
Today · 4.125%
HK$51,730
baseline
▲ 0.50% · 4.625%
HK$54,878
+HK$3,148/mo
Deposit HK$7.12M · loan HK$10.67M · min. income ≈ HK$103,460/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$667,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,154
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,606
−HK$1,473/mo
Today · 4.125%
HK$57,079
baseline
▲ 0.50% · 4.625%
HK$60,088
+HK$3,009/mo
Deposit HK$7.12M · loan HK$10.67M · min. income ≈ HK$114,158/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$667,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,791
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,557
−HK$1,795/mo
Today · 4.125%
HK$60,352
baseline
▲ 0.50% · 4.625%
HK$64,024
+HK$3,672/mo
Deposit HK$5.34M · loan HK$12.45M · min. income ≈ HK$120,704/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$667,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,179
−HK$3,414/mo
▼ 0.25% · 3.875%
HK$64,874
−HK$1,719/mo
Today · 4.125%
HK$66,593
baseline
▲ 0.50% · 4.625%
HK$70,103
+HK$3,510/mo
Deposit HK$5.34M · loan HK$12.45M · min. income ≈ HK$133,186/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$667,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,017
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$75,288
−HK$2,308/mo
Today · 4.125%
HK$77,596
baseline
▲ 0.50% · 4.625%
HK$82,317
+HK$4,721/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$155,192/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,111 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,230
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$83,409
−HK$2,210/mo
Today · 4.125%
HK$85,619
baseline
▲ 0.50% · 4.625%
HK$90,132
+HK$4,513/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$171,238/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,111 · Scale 2, in force from 26 Feb 2026)