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$40,563
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,825
−HK$1,282/mo
Today · 4.125%
HK$43,107
baseline
▲ 0.50% · 4.625%
HK$45,730
+HK$2,623/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$86,214/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$667,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,126
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,336
−HK$1,228/mo
Today · 4.125%
HK$47,564
baseline
▲ 0.50% · 4.625%
HK$50,071
+HK$2,507/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$95,128/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$667,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,676
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$50,190
−HK$1,538/mo
Today · 4.125%
HK$51,728
baseline
▲ 0.50% · 4.625%
HK$54,876
+HK$3,148/mo
Deposit HK$7.12M · loan HK$10.67M · min. income ≈ HK$103,456/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$667,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,151
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$55,604
−HK$1,473/mo
Today · 4.125%
HK$57,077
baseline
▲ 0.50% · 4.625%
HK$60,086
+HK$3,009/mo
Deposit HK$7.12M · loan HK$10.67M · min. income ≈ HK$114,154/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$667,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,789
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,555
−HK$1,795/mo
Today · 4.125%
HK$60,350
baseline
▲ 0.50% · 4.625%
HK$64,022
+HK$3,672/mo
Deposit HK$5.34M · loan HK$12.45M · min. income ≈ HK$120,700/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$667,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,177
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,871
−HK$1,719/mo
Today · 4.125%
HK$66,590
baseline
▲ 0.50% · 4.625%
HK$70,100
+HK$3,510/mo
Deposit HK$5.34M · loan HK$12.45M · min. income ≈ HK$133,180/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$667,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,014
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$75,285
−HK$2,307/mo
Today · 4.125%
HK$77,592
baseline
▲ 0.50% · 4.625%
HK$82,314
+HK$4,722/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$155,184/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,084 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,227
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$83,406
−HK$2,210/mo
Today · 4.125%
HK$85,616
baseline
▲ 0.50% · 4.625%
HK$90,129
+HK$4,513/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$171,232/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,084 · Scale 2, in force from 26 Feb 2026)