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$40,560
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,822
−HK$1,282/mo
Today · 4.125%
HK$43,104
baseline
▲ 0.50% · 4.625%
HK$45,726
+HK$2,622/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$86,208/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$667,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,123
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,333
−HK$1,228/mo
Today · 4.125%
HK$47,561
baseline
▲ 0.50% · 4.625%
HK$50,068
+HK$2,507/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$95,122/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$667,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,672
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$50,186
−HK$1,538/mo
Today · 4.125%
HK$51,724
baseline
▲ 0.50% · 4.625%
HK$54,872
+HK$3,148/mo
Deposit HK$7.12M · loan HK$10.67M · min. income ≈ HK$103,448/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$667,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,147
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$55,600
−HK$1,473/mo
Today · 4.125%
HK$57,073
baseline
▲ 0.50% · 4.625%
HK$60,081
+HK$3,008/mo
Deposit HK$7.12M · loan HK$10.67M · min. income ≈ HK$114,146/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$667,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,784
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,551
−HK$1,794/mo
Today · 4.125%
HK$60,345
baseline
▲ 0.50% · 4.625%
HK$64,017
+HK$3,672/mo
Deposit HK$5.34M · loan HK$12.45M · min. income ≈ HK$120,690/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$667,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,172
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,866
−HK$1,719/mo
Today · 4.125%
HK$66,585
baseline
▲ 0.50% · 4.625%
HK$70,095
+HK$3,510/mo
Deposit HK$5.34M · loan HK$12.45M · min. income ≈ HK$133,170/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$667,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,008
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$75,279
−HK$2,308/mo
Today · 4.125%
HK$77,587
baseline
▲ 0.50% · 4.625%
HK$82,308
+HK$4,721/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$155,174/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,034 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,221
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$83,399
−HK$2,210/mo
Today · 4.125%
HK$85,609
baseline
▲ 0.50% · 4.625%
HK$90,122
+HK$4,513/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$171,218/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,034 · Scale 2, in force from 26 Feb 2026)