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$40,535
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,796
−HK$1,281/mo
Today · 4.125%
HK$43,077
baseline
▲ 0.50% · 4.625%
HK$45,698
+HK$2,621/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$86,154/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,095
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,304
−HK$1,227/mo
Today · 4.125%
HK$47,531
baseline
▲ 0.50% · 4.625%
HK$50,036
+HK$2,505/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$95,062/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,642
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,155
−HK$1,537/mo
Today · 4.125%
HK$51,692
baseline
▲ 0.50% · 4.625%
HK$54,837
+HK$3,145/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$103,384/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,114
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,565
−HK$1,472/mo
Today · 4.125%
HK$57,037
baseline
▲ 0.50% · 4.625%
HK$60,044
+HK$3,007/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$114,074/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,749
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,514
−HK$1,793/mo
Today · 4.125%
HK$60,307
baseline
▲ 0.50% · 4.625%
HK$63,977
+HK$3,670/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$120,614/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,132
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,826
−HK$1,717/mo
Today · 4.125%
HK$66,543
baseline
▲ 0.50% · 4.625%
HK$70,051
+HK$3,508/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$133,086/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,963
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$75,232
−HK$2,306/mo
Today · 4.125%
HK$77,538
baseline
▲ 0.50% · 4.625%
HK$82,256
+HK$4,718/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$155,076/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,170
−HK$4,386/mo
▼ 0.25% · 3.875%
HK$83,347
−HK$2,209/mo
Today · 4.125%
HK$85,556
baseline
▲ 0.50% · 4.625%
HK$90,065
+HK$4,509/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$171,112/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,617 · Scale 2, in force from 26 Feb 2026)