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$40,550
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,811
−HK$1,281/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$666,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,111
−HK$2,437/mo
▼ 0.25% · 3.875%
HK$46,321
−HK$1,227/mo
Today · 4.125%
HK$47,548
baseline
▲ 0.50% · 4.625%
HK$50,054
+HK$2,506/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$95,096/mo (50% DSR)
Upfront cash ≈ HK$9.56M (deposit + AVD stamp duty HK$666,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,659
−HK$3,052/mo
▼ 0.25% · 3.875%
HK$50,173
−HK$1,538/mo
Today · 4.125%
HK$51,711
baseline
▲ 0.50% · 4.625%
HK$54,857
+HK$3,146/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$103,422/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,133
−HK$2,925/mo
▼ 0.25% · 3.875%
HK$55,585
−HK$1,473/mo
Today · 4.125%
HK$57,058
baseline
▲ 0.50% · 4.625%
HK$60,065
+HK$3,007/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$114,116/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,769
−HK$3,560/mo
▼ 0.25% · 3.875%
HK$58,535
−HK$1,794/mo
Today · 4.125%
HK$60,329
baseline
▲ 0.50% · 4.625%
HK$64,000
+HK$3,671/mo
Deposit HK$5.33M · loan HK$12.45M · min. income ≈ HK$120,658/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,155
−HK$3,412/mo
▼ 0.25% · 3.875%
HK$64,849
−HK$1,718/mo
Today · 4.125%
HK$66,567
baseline
▲ 0.50% · 4.625%
HK$70,076
+HK$3,509/mo
Deposit HK$5.33M · loan HK$12.45M · min. income ≈ HK$133,134/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,989
−HK$4,577/mo
▼ 0.25% · 3.875%
HK$75,259
−HK$2,307/mo
Today · 4.125%
HK$77,566
baseline
▲ 0.50% · 4.625%
HK$82,286
+HK$4,720/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$155,132/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$666,858 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,200
−HK$4,387/mo
▼ 0.25% · 3.875%
HK$83,377
−HK$2,210/mo
Today · 4.125%
HK$85,587
baseline
▲ 0.50% · 4.625%
HK$90,098
+HK$4,511/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$171,174/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$666,858 · Scale 2, in force from 26 Feb 2026)