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$40,565
−HK$2,544/mo
▼ 0.25% · 3.875%
HK$41,827
−HK$1,282/mo
Today · 4.125%
HK$43,109
baseline
▲ 0.50% · 4.625%
HK$45,732
+HK$2,623/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$86,218/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$667,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,128
−HK$2,438/mo
▼ 0.25% · 3.875%
HK$46,339
−HK$1,227/mo
Today · 4.125%
HK$47,566
baseline
▲ 0.50% · 4.625%
HK$50,074
+HK$2,508/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$95,132/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$667,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,678
−HK$3,053/mo
▼ 0.25% · 3.875%
HK$50,192
−HK$1,539/mo
Today · 4.125%
HK$51,731
baseline
▲ 0.50% · 4.625%
HK$54,878
+HK$3,147/mo
Deposit HK$7.12M · loan HK$10.67M · min. income ≈ HK$103,462/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$667,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,154
−HK$2,926/mo
▼ 0.25% · 3.875%
HK$55,606
−HK$1,474/mo
Today · 4.125%
HK$57,080
baseline
▲ 0.50% · 4.625%
HK$60,088
+HK$3,008/mo
Deposit HK$7.12M · loan HK$10.67M · min. income ≈ HK$114,160/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$667,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,791
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,558
−HK$1,794/mo
Today · 4.125%
HK$60,352
baseline
▲ 0.50% · 4.625%
HK$64,025
+HK$3,673/mo
Deposit HK$5.34M · loan HK$12.45M · min. income ≈ HK$120,704/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$667,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,180
−HK$3,413/mo
▼ 0.25% · 3.875%
HK$64,874
−HK$1,719/mo
Today · 4.125%
HK$66,593
baseline
▲ 0.50% · 4.625%
HK$70,103
+HK$3,510/mo
Deposit HK$5.34M · loan HK$12.45M · min. income ≈ HK$133,186/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$667,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,017
−HK$4,579/mo
▼ 0.25% · 3.875%
HK$75,288
−HK$2,308/mo
Today · 4.125%
HK$77,596
baseline
▲ 0.50% · 4.625%
HK$82,318
+HK$4,722/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$155,192/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,115 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,231
−HK$4,389/mo
▼ 0.25% · 3.875%
HK$83,410
−HK$2,210/mo
Today · 4.125%
HK$85,620
baseline
▲ 0.50% · 4.625%
HK$90,133
+HK$4,513/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$171,240/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$667,115 · Scale 2, in force from 26 Feb 2026)