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$40,558
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,819
−HK$1,282/mo
Today · 4.125%
HK$43,101
baseline
▲ 0.50% · 4.625%
HK$45,724
+HK$2,623/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$86,202/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$666,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,120
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,330
−HK$1,228/mo
Today · 4.125%
HK$47,558
baseline
▲ 0.50% · 4.625%
HK$50,065
+HK$2,507/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$95,116/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$666,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,669
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$50,183
−HK$1,538/mo
Today · 4.125%
HK$51,721
baseline
▲ 0.50% · 4.625%
HK$54,868
+HK$3,147/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$103,442/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,144
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,596
−HK$1,473/mo
Today · 4.125%
HK$57,069
baseline
▲ 0.50% · 4.625%
HK$60,078
+HK$3,009/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$114,138/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,781
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,547
−HK$1,795/mo
Today · 4.125%
HK$60,342
baseline
▲ 0.50% · 4.625%
HK$64,013
+HK$3,671/mo
Deposit HK$5.34M · loan HK$12.45M · min. income ≈ HK$120,684/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,168
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,862
−HK$1,719/mo
Today · 4.125%
HK$66,581
baseline
▲ 0.50% · 4.625%
HK$70,090
+HK$3,509/mo
Deposit HK$5.34M · loan HK$12.45M · min. income ≈ HK$133,162/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,004
−HK$4,578/mo
▼ 0.25% · 3.875%
HK$75,275
−HK$2,307/mo
Today · 4.125%
HK$77,582
baseline
▲ 0.50% · 4.625%
HK$82,303
+HK$4,721/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$155,164/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$666,994 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,216
−HK$4,388/mo
▼ 0.25% · 3.875%
HK$83,394
−HK$2,210/mo
Today · 4.125%
HK$85,604
baseline
▲ 0.50% · 4.625%
HK$90,116
+HK$4,512/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$171,208/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$666,994 · Scale 2, in force from 26 Feb 2026)