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$40,520
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,780
−HK$1,281/mo
Today · 4.125%
HK$43,061
baseline
▲ 0.50% · 4.625%
HK$45,681
+HK$2,620/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$86,122/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,078
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,287
−HK$1,226/mo
Today · 4.125%
HK$47,513
baseline
▲ 0.50% · 4.625%
HK$50,018
+HK$2,505/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$95,026/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,624
−HK$3,049/mo
▼ 0.25% · 3.875%
HK$50,136
−HK$1,537/mo
Today · 4.125%
HK$51,673
baseline
▲ 0.50% · 4.625%
HK$54,817
+HK$3,144/mo
Deposit HK$7.11M · loan HK$10.66M · min. income ≈ HK$103,346/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$666,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,094
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,544
−HK$1,472/mo
Today · 4.125%
HK$57,016
baseline
▲ 0.50% · 4.625%
HK$60,021
+HK$3,005/mo
Deposit HK$7.11M · loan HK$10.66M · min. income ≈ HK$114,032/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$666,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,728
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$58,492
−HK$1,793/mo
Today · 4.125%
HK$60,285
baseline
▲ 0.50% · 4.625%
HK$63,953
+HK$3,668/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$120,570/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,109
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,802
−HK$1,717/mo
Today · 4.125%
HK$66,519
baseline
▲ 0.50% · 4.625%
HK$70,025
+HK$3,506/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$133,038/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,936
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$75,204
−HK$2,305/mo
Today · 4.125%
HK$77,509
baseline
▲ 0.50% · 4.625%
HK$82,226
+HK$4,717/mo
Deposit HK$1.78M · loan HK$15.99M · min. income ≈ HK$155,018/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,371 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,140
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$83,316
−HK$2,208/mo
Today · 4.125%
HK$85,524
baseline
▲ 0.50% · 4.625%
HK$90,032
+HK$4,508/mo
Deposit HK$1.78M · loan HK$15.99M · min. income ≈ HK$171,048/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,371 · Scale 2, in force from 26 Feb 2026)