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$40,522
−HK$2,541/mo
▼ 0.25% · 3.875%
HK$41,782
−HK$1,281/mo
Today · 4.125%
HK$43,063
baseline
▲ 0.50% · 4.625%
HK$45,683
+HK$2,620/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$86,126/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,080
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,289
−HK$1,227/mo
Today · 4.125%
HK$47,516
baseline
▲ 0.50% · 4.625%
HK$50,020
+HK$2,504/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$95,032/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,626
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,139
−HK$1,537/mo
Today · 4.125%
HK$51,676
baseline
▲ 0.50% · 4.625%
HK$54,820
+HK$3,144/mo
Deposit HK$7.11M · loan HK$10.66M · min. income ≈ HK$103,352/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$666,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,096
−HK$2,923/mo
▼ 0.25% · 3.875%
HK$55,547
−HK$1,472/mo
Today · 4.125%
HK$57,019
baseline
▲ 0.50% · 4.625%
HK$60,025
+HK$3,006/mo
Deposit HK$7.11M · loan HK$10.66M · min. income ≈ HK$114,038/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$666,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,731
−HK$3,557/mo
▼ 0.25% · 3.875%
HK$58,495
−HK$1,793/mo
Today · 4.125%
HK$60,288
baseline
▲ 0.50% · 4.625%
HK$63,957
+HK$3,669/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$120,576/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,112
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,805
−HK$1,717/mo
Today · 4.125%
HK$66,522
baseline
▲ 0.50% · 4.625%
HK$70,029
+HK$3,507/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$133,044/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,940
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$75,208
−HK$2,305/mo
Today · 4.125%
HK$77,513
baseline
▲ 0.50% · 4.625%
HK$82,230
+HK$4,717/mo
Deposit HK$1.78M · loan HK$15.99M · min. income ≈ HK$155,026/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,405 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,144
−HK$4,384/mo
▼ 0.25% · 3.875%
HK$83,321
−HK$2,207/mo
Today · 4.125%
HK$85,528
baseline
▲ 0.50% · 4.625%
HK$90,037
+HK$4,509/mo
Deposit HK$1.78M · loan HK$15.99M · min. income ≈ HK$171,056/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,405 · Scale 2, in force from 26 Feb 2026)