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$40,532
−HK$2,542/mo
▼ 0.25% · 3.875%
HK$41,793
−HK$1,281/mo
Today · 4.125%
HK$43,074
baseline
▲ 0.50% · 4.625%
HK$45,694
+HK$2,620/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$86,148/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,091
−HK$2,436/mo
▼ 0.25% · 3.875%
HK$46,301
−HK$1,226/mo
Today · 4.125%
HK$47,527
baseline
▲ 0.50% · 4.625%
HK$50,033
+HK$2,506/mo
Deposit HK$8.89M · loan HK$8.89M · min. income ≈ HK$95,054/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,638
−HK$3,050/mo
▼ 0.25% · 3.875%
HK$50,151
−HK$1,537/mo
Today · 4.125%
HK$51,688
baseline
▲ 0.50% · 4.625%
HK$54,833
+HK$3,145/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$103,376/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,109
−HK$2,924/mo
▼ 0.25% · 3.875%
HK$55,561
−HK$1,472/mo
Today · 4.125%
HK$57,033
baseline
▲ 0.50% · 4.625%
HK$60,039
+HK$3,006/mo
Deposit HK$7.11M · loan HK$10.67M · min. income ≈ HK$114,066/mo (50% DSR)
Upfront cash ≈ HK$7.78M (deposit + AVD stamp duty HK$666,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,745
−HK$3,558/mo
▼ 0.25% · 3.875%
HK$58,510
−HK$1,793/mo
Today · 4.125%
HK$60,303
baseline
▲ 0.50% · 4.625%
HK$63,972
+HK$3,669/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$120,606/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,128
−HK$3,410/mo
▼ 0.25% · 3.875%
HK$64,821
−HK$1,717/mo
Today · 4.125%
HK$66,538
baseline
▲ 0.50% · 4.625%
HK$70,046
+HK$3,508/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$133,076/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,957
−HK$4,575/mo
▼ 0.25% · 3.875%
HK$75,227
−HK$2,305/mo
Today · 4.125%
HK$77,532
baseline
▲ 0.50% · 4.625%
HK$82,250
+HK$4,718/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$155,064/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,164
−HK$4,385/mo
▼ 0.25% · 3.875%
HK$83,341
−HK$2,208/mo
Today · 4.125%
HK$85,549
baseline
▲ 0.50% · 4.625%
HK$90,059
+HK$4,510/mo
Deposit HK$1.78M · loan HK$16.00M · min. income ≈ HK$171,098/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,567 · Scale 2, in force from 26 Feb 2026)