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$40,559
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,821
−HK$1,282/mo
Today · 4.125%
HK$43,103
baseline
▲ 0.50% · 4.625%
HK$45,725
+HK$2,622/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$86,206/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$667,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,122
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,332
−HK$1,227/mo
Today · 4.125%
HK$47,559
baseline
▲ 0.50% · 4.625%
HK$50,066
+HK$2,507/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$95,118/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$667,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,671
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$50,185
−HK$1,538/mo
Today · 4.125%
HK$51,723
baseline
▲ 0.50% · 4.625%
HK$54,870
+HK$3,147/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$103,446/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$667,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,146
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,598
−HK$1,473/mo
Today · 4.125%
HK$57,071
baseline
▲ 0.50% · 4.625%
HK$60,080
+HK$3,009/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$114,142/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$667,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,783
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,549
−HK$1,795/mo
Today · 4.125%
HK$60,344
baseline
▲ 0.50% · 4.625%
HK$64,015
+HK$3,671/mo
Deposit HK$5.34M · loan HK$12.45M · min. income ≈ HK$120,688/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$667,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,170
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,865
−HK$1,718/mo
Today · 4.125%
HK$66,583
baseline
▲ 0.50% · 4.625%
HK$70,093
+HK$3,510/mo
Deposit HK$5.34M · loan HK$12.45M · min. income ≈ HK$133,166/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$667,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,007
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$75,277
−HK$2,308/mo
Today · 4.125%
HK$77,585
baseline
▲ 0.50% · 4.625%
HK$82,306
+HK$4,721/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$155,170/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,219
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$83,397
−HK$2,210/mo
Today · 4.125%
HK$85,607
baseline
▲ 0.50% · 4.625%
HK$90,120
+HK$4,513/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$171,214/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,017 · Scale 2, in force from 26 Feb 2026)