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$40,547
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,808
−HK$1,281/mo
Today · 4.125%
HK$43,089
baseline
▲ 0.50% · 4.625%
HK$45,711
+HK$2,622/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$86,178/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$666,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,108
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,318
−HK$1,227/mo
Today · 4.125%
HK$47,545
baseline
▲ 0.50% · 4.625%
HK$50,051
+HK$2,506/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$95,090/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$666,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,656
−HK$3,051/mo
▼ 0.25% · 3.875%
HK$50,169
−HK$1,538/mo
Today · 4.125%
HK$51,707
baseline
▲ 0.50% · 4.625%
HK$54,853
+HK$3,146/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$103,414/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,129
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,581
−HK$1,473/mo
Today · 4.125%
HK$57,054
baseline
▲ 0.50% · 4.625%
HK$60,061
+HK$3,007/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$114,108/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,765
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,531
−HK$1,794/mo
Today · 4.125%
HK$60,325
baseline
▲ 0.50% · 4.625%
HK$63,996
+HK$3,671/mo
Deposit HK$5.33M · loan HK$12.45M · min. income ≈ HK$120,650/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,151
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,845
−HK$1,718/mo
Today · 4.125%
HK$66,563
baseline
▲ 0.50% · 4.625%
HK$70,071
+HK$3,508/mo
Deposit HK$5.33M · loan HK$12.45M · min. income ≈ HK$133,126/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,984
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$75,254
−HK$2,307/mo
Today · 4.125%
HK$77,561
baseline
▲ 0.50% · 4.625%
HK$82,280
+HK$4,719/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$155,122/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,812 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,194
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$83,372
−HK$2,209/mo
Today · 4.125%
HK$85,581
baseline
▲ 0.50% · 4.625%
HK$90,092
+HK$4,511/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$171,162/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,812 · Scale 2, in force from 26 Feb 2026)