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$40,508
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$41,768
−HK$1,280/mo
Today · 4.125%
HK$43,048
baseline
▲ 0.50% · 4.625%
HK$45,667
+HK$2,619/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$86,096/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,064
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,273
−HK$1,226/mo
Today · 4.125%
HK$47,499
baseline
▲ 0.50% · 4.625%
HK$50,003
+HK$2,504/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$94,998/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,609
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$50,121
−HK$1,536/mo
Today · 4.125%
HK$51,657
baseline
▲ 0.50% · 4.625%
HK$54,801
+HK$3,144/mo
Deposit HK$7.11M · loan HK$10.66M · min. income ≈ HK$103,314/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$666,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,077
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,528
−HK$1,471/mo
Today · 4.125%
HK$56,999
baseline
▲ 0.50% · 4.625%
HK$60,003
+HK$3,004/mo
Deposit HK$7.11M · loan HK$10.66M · min. income ≈ HK$113,998/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$666,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,711
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,475
−HK$1,792/mo
Today · 4.125%
HK$60,267
baseline
▲ 0.50% · 4.625%
HK$63,934
+HK$3,667/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$120,534/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,090
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,782
−HK$1,717/mo
Today · 4.125%
HK$66,499
baseline
▲ 0.50% · 4.625%
HK$70,004
+HK$3,505/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$132,998/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,914
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$75,182
−HK$2,304/mo
Today · 4.125%
HK$77,486
baseline
▲ 0.50% · 4.625%
HK$82,201
+HK$4,715/mo
Deposit HK$1.78M · loan HK$15.99M · min. income ≈ HK$154,972/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,170 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,116
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$83,291
−HK$2,207/mo
Today · 4.125%
HK$85,498
baseline
▲ 0.50% · 4.625%
HK$90,005
+HK$4,507/mo
Deposit HK$1.78M · loan HK$15.99M · min. income ≈ HK$170,996/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,170 · Scale 2, in force from 26 Feb 2026)