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$40,504
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$41,764
−HK$1,280/mo
Today · 4.125%
HK$43,044
baseline
▲ 0.50% · 4.625%
HK$45,664
+HK$2,620/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$86,088/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,061
−HK$2,434/mo
▼ 0.25% · 3.875%
HK$46,269
−HK$1,226/mo
Today · 4.125%
HK$47,495
baseline
▲ 0.50% · 4.625%
HK$49,999
+HK$2,504/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$94,990/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,605
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$50,117
−HK$1,536/mo
Today · 4.125%
HK$51,653
baseline
▲ 0.50% · 4.625%
HK$54,796
+HK$3,143/mo
Deposit HK$7.11M · loan HK$10.66M · min. income ≈ HK$103,306/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$666,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,073
−HK$2,921/mo
▼ 0.25% · 3.875%
HK$55,523
−HK$1,471/mo
Today · 4.125%
HK$56,994
baseline
▲ 0.50% · 4.625%
HK$59,999
+HK$3,005/mo
Deposit HK$7.11M · loan HK$10.66M · min. income ≈ HK$113,988/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$666,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,706
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,470
−HK$1,792/mo
Today · 4.125%
HK$60,262
baseline
▲ 0.50% · 4.625%
HK$63,929
+HK$3,667/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$120,524/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,085
−HK$3,408/mo
▼ 0.25% · 3.875%
HK$64,777
−HK$1,716/mo
Today · 4.125%
HK$66,493
baseline
▲ 0.50% · 4.625%
HK$69,998
+HK$3,505/mo
Deposit HK$5.33M · loan HK$12.43M · min. income ≈ HK$132,986/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,908
−HK$4,572/mo
▼ 0.25% · 3.875%
HK$75,176
−HK$2,304/mo
Today · 4.125%
HK$77,480
baseline
▲ 0.50% · 4.625%
HK$82,194
+HK$4,714/mo
Deposit HK$1.78M · loan HK$15.99M · min. income ≈ HK$154,960/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,117 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,109
−HK$4,383/mo
▼ 0.25% · 3.875%
HK$83,285
−HK$2,207/mo
Today · 4.125%
HK$85,492
baseline
▲ 0.50% · 4.625%
HK$89,998
+HK$4,506/mo
Deposit HK$1.78M · loan HK$15.99M · min. income ≈ HK$170,984/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,117 · Scale 2, in force from 26 Feb 2026)