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$40,506
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$41,766
−HK$1,280/mo
Today · 4.125%
HK$43,046
baseline
▲ 0.50% · 4.625%
HK$45,665
+HK$2,619/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$86,092/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,062
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,271
−HK$1,226/mo
Today · 4.125%
HK$47,497
baseline
▲ 0.50% · 4.625%
HK$50,001
+HK$2,504/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$94,994/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,607
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$50,119
−HK$1,536/mo
Today · 4.125%
HK$51,655
baseline
▲ 0.50% · 4.625%
HK$54,798
+HK$3,143/mo
Deposit HK$7.11M · loan HK$10.66M · min. income ≈ HK$103,310/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$666,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,075
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,525
−HK$1,471/mo
Today · 4.125%
HK$56,996
baseline
▲ 0.50% · 4.625%
HK$60,001
+HK$3,005/mo
Deposit HK$7.11M · loan HK$10.66M · min. income ≈ HK$113,992/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$666,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,708
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,472
−HK$1,792/mo
Today · 4.125%
HK$60,264
baseline
▲ 0.50% · 4.625%
HK$63,931
+HK$3,667/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$120,528/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,087
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,779
−HK$1,717/mo
Today · 4.125%
HK$66,496
baseline
▲ 0.50% · 4.625%
HK$70,001
+HK$3,505/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$132,992/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,911
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$75,178
−HK$2,305/mo
Today · 4.125%
HK$77,483
baseline
▲ 0.50% · 4.625%
HK$82,197
+HK$4,714/mo
Deposit HK$1.78M · loan HK$15.99M · min. income ≈ HK$154,966/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,140 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,112
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$83,288
−HK$2,207/mo
Today · 4.125%
HK$85,495
baseline
▲ 0.50% · 4.625%
HK$90,001
+HK$4,506/mo
Deposit HK$1.78M · loan HK$15.99M · min. income ≈ HK$170,990/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,140 · Scale 2, in force from 26 Feb 2026)