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$40,533
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,794
−HK$1,281/mo
Today · 4.125%
HK$43,075
baseline
▲ 0.50% · 4.625%
HK$45,696
+HK$2,621/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$86,150/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,093
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,302
−HK$1,227/mo
Today · 4.125%
HK$47,529
baseline
▲ 0.50% · 4.625%
HK$50,034
+HK$2,505/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$95,058/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,640
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,153
−HK$1,537/mo
Today · 4.125%
HK$51,690
baseline
▲ 0.50% · 4.625%
HK$54,835
+HK$3,145/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$103,380/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,111
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,563
−HK$1,472/mo
Today · 4.125%
HK$57,035
baseline
▲ 0.50% · 4.625%
HK$60,041
+HK$3,006/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$114,070/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,747
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,512
−HK$1,793/mo
Today · 4.125%
HK$60,305
baseline
▲ 0.50% · 4.625%
HK$63,975
+HK$3,670/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$120,610/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,130
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,823
−HK$1,718/mo
Today · 4.125%
HK$66,541
baseline
▲ 0.50% · 4.625%
HK$70,048
+HK$3,507/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$133,082/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,960
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$75,229
−HK$2,306/mo
Today · 4.125%
HK$77,535
baseline
▲ 0.50% · 4.625%
HK$82,253
+HK$4,718/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$155,070/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,591 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,167
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$83,344
−HK$2,208/mo
Today · 4.125%
HK$85,552
baseline
▲ 0.50% · 4.625%
HK$90,062
+HK$4,510/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$171,104/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,591 · Scale 2, in force from 26 Feb 2026)