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$40,530
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,791
−HK$1,281/mo
Today · 4.125%
HK$43,072
baseline
▲ 0.50% · 4.625%
HK$45,693
+HK$2,621/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$86,144/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,089
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,299
−HK$1,226/mo
Today · 4.125%
HK$47,525
baseline
▲ 0.50% · 4.625%
HK$50,031
+HK$2,506/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$95,050/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,636
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,149
−HK$1,537/mo
Today · 4.125%
HK$51,686
baseline
▲ 0.50% · 4.625%
HK$54,831
+HK$3,145/mo
Deposit HK$7.11M · loan HK$10.66M · min. income ≈ HK$103,372/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,107
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,558
−HK$1,473/mo
Today · 4.125%
HK$57,031
baseline
▲ 0.50% · 4.625%
HK$60,037
+HK$3,006/mo
Deposit HK$7.11M · loan HK$10.66M · min. income ≈ HK$114,062/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,742
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,507
−HK$1,793/mo
Today · 4.125%
HK$60,300
baseline
▲ 0.50% · 4.625%
HK$63,970
+HK$3,670/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$120,600/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,125
−HK$3,411/mo
▼ 0.25% · 3.875%
HK$64,818
−HK$1,718/mo
Today · 4.125%
HK$66,536
baseline
▲ 0.50% · 4.625%
HK$70,043
+HK$3,507/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$133,072/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,954
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$75,224
−HK$2,305/mo
Today · 4.125%
HK$77,529
baseline
▲ 0.50% · 4.625%
HK$82,247
+HK$4,718/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$155,058/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,540 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,161
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$83,338
−HK$2,208/mo
Today · 4.125%
HK$85,546
baseline
▲ 0.50% · 4.625%
HK$90,055
+HK$4,509/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$171,092/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,540 · Scale 2, in force from 26 Feb 2026)