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$40,546
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,808
−HK$1,281/mo
Today · 4.125%
HK$43,089
baseline
▲ 0.50% · 4.625%
HK$45,711
+HK$2,622/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$86,178/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$666,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,107
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,317
−HK$1,227/mo
Today · 4.125%
HK$47,544
baseline
▲ 0.50% · 4.625%
HK$50,050
+HK$2,506/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$95,088/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$666,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,656
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$50,169
−HK$1,538/mo
Today · 4.125%
HK$51,707
baseline
▲ 0.50% · 4.625%
HK$54,853
+HK$3,146/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$103,414/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,129
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,581
−HK$1,472/mo
Today · 4.125%
HK$57,053
baseline
▲ 0.50% · 4.625%
HK$60,061
+HK$3,008/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$114,106/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,765
−HK$3,559/mo
▼ 0.25% · 3.875%
HK$58,531
−HK$1,793/mo
Today · 4.125%
HK$60,324
baseline
▲ 0.50% · 4.625%
HK$63,995
+HK$3,671/mo
Deposit HK$5.33M · loan HK$12.45M · min. income ≈ HK$120,648/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,150
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,844
−HK$1,718/mo
Today · 4.125%
HK$66,562
baseline
▲ 0.50% · 4.625%
HK$70,071
+HK$3,509/mo
Deposit HK$5.33M · loan HK$12.45M · min. income ≈ HK$133,124/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,983
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$75,254
−HK$2,306/mo
Today · 4.125%
HK$77,560
baseline
▲ 0.50% · 4.625%
HK$82,279
+HK$4,719/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$155,120/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,193
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$83,371
−HK$2,209/mo
Today · 4.125%
HK$85,580
baseline
▲ 0.50% · 4.625%
HK$90,091
+HK$4,511/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$171,160/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,805 · Scale 2, in force from 26 Feb 2026)