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$40,528
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,789
−HK$1,280/mo
Today · 4.125%
HK$43,069
baseline
▲ 0.50% · 4.625%
HK$45,690
+HK$2,621/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$86,138/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,087
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,296
−HK$1,227/mo
Today · 4.125%
HK$47,523
baseline
▲ 0.50% · 4.625%
HK$50,028
+HK$2,505/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$95,046/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,634
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,146
−HK$1,537/mo
Today · 4.125%
HK$51,683
baseline
▲ 0.50% · 4.625%
HK$54,828
+HK$3,145/mo
Deposit HK$7.11M · loan HK$10.66M · min. income ≈ HK$103,366/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,104
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,555
−HK$1,472/mo
Today · 4.125%
HK$57,027
baseline
▲ 0.50% · 4.625%
HK$60,033
+HK$3,006/mo
Deposit HK$7.11M · loan HK$10.66M · min. income ≈ HK$114,054/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,739
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,504
−HK$1,793/mo
Today · 4.125%
HK$60,297
baseline
▲ 0.50% · 4.625%
HK$63,966
+HK$3,669/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$120,594/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,122
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,815
−HK$1,717/mo
Today · 4.125%
HK$66,532
baseline
▲ 0.50% · 4.625%
HK$70,039
+HK$3,507/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$133,064/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,950
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$75,220
−HK$2,305/mo
Today · 4.125%
HK$77,525
baseline
▲ 0.50% · 4.625%
HK$82,242
+HK$4,717/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$155,050/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,504 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,157
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$83,333
−HK$2,208/mo
Today · 4.125%
HK$85,541
baseline
▲ 0.50% · 4.625%
HK$90,050
+HK$4,509/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$171,082/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,504 · Scale 2, in force from 26 Feb 2026)