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$40,549
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,810
−HK$1,282/mo
Today · 4.125%
HK$43,092
baseline
▲ 0.50% · 4.625%
HK$45,714
+HK$2,622/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$86,184/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$666,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,110
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,320
−HK$1,227/mo
Today · 4.125%
HK$47,547
baseline
▲ 0.50% · 4.625%
HK$50,054
+HK$2,507/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$95,094/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$666,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,658
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$50,172
−HK$1,538/mo
Today · 4.125%
HK$51,710
baseline
▲ 0.50% · 4.625%
HK$54,856
+HK$3,146/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$103,420/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,132
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,584
−HK$1,473/mo
Today · 4.125%
HK$57,057
baseline
▲ 0.50% · 4.625%
HK$60,064
+HK$3,007/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$114,114/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,768
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,534
−HK$1,794/mo
Today · 4.125%
HK$60,328
baseline
▲ 0.50% · 4.625%
HK$63,999
+HK$3,671/mo
Deposit HK$5.33M · loan HK$12.45M · min. income ≈ HK$120,656/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,154
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,848
−HK$1,718/mo
Today · 4.125%
HK$66,566
baseline
▲ 0.50% · 4.625%
HK$70,075
+HK$3,509/mo
Deposit HK$5.33M · loan HK$12.45M · min. income ≈ HK$133,132/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,988
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$75,258
−HK$2,307/mo
Today · 4.125%
HK$77,565
baseline
▲ 0.50% · 4.625%
HK$82,284
+HK$4,719/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$155,130/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$666,846 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,198
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$83,376
−HK$2,209/mo
Today · 4.125%
HK$85,585
baseline
▲ 0.50% · 4.625%
HK$90,096
+HK$4,511/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$171,170/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$666,846 · Scale 2, in force from 26 Feb 2026)