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$40,553
−HK$2,543/mo
▼ 0.25% · 3.875%
HK$41,815
−HK$1,281/mo
Today · 4.125%
HK$43,096
baseline
▲ 0.50% · 4.625%
HK$45,719
+HK$2,623/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$86,192/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$666,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,115
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,325
−HK$1,227/mo
Today · 4.125%
HK$47,552
baseline
▲ 0.50% · 4.625%
HK$50,059
+HK$2,507/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$95,104/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$666,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,664
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$50,178
−HK$1,537/mo
Today · 4.125%
HK$51,715
baseline
▲ 0.50% · 4.625%
HK$54,862
+HK$3,147/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$103,430/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,138
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,590
−HK$1,473/mo
Today · 4.125%
HK$57,063
baseline
▲ 0.50% · 4.625%
HK$60,071
+HK$3,008/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$114,126/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,774
−HK$3,561/mo
▼ 0.25% · 3.875%
HK$58,540
−HK$1,795/mo
Today · 4.125%
HK$60,335
baseline
▲ 0.50% · 4.625%
HK$64,006
+HK$3,671/mo
Deposit HK$5.34M · loan HK$12.45M · min. income ≈ HK$120,670/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,161
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,855
−HK$1,718/mo
Today · 4.125%
HK$66,573
baseline
▲ 0.50% · 4.625%
HK$70,083
+HK$3,510/mo
Deposit HK$5.34M · loan HK$12.45M · min. income ≈ HK$133,146/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,996
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$75,266
−HK$2,307/mo
Today · 4.125%
HK$77,573
baseline
▲ 0.50% · 4.625%
HK$82,293
+HK$4,720/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$155,146/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$666,919 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,207
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$83,385
−HK$2,209/mo
Today · 4.125%
HK$85,594
baseline
▲ 0.50% · 4.625%
HK$90,106
+HK$4,512/mo
Deposit HK$1.78M · loan HK$16.01M · min. income ≈ HK$171,188/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$666,919 · Scale 2, in force from 26 Feb 2026)