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$40,509
−HK$2,540/mo
▼ 0.25% · 3.875%
HK$41,769
−HK$1,280/mo
Today · 4.125%
HK$43,049
baseline
▲ 0.50% · 4.625%
HK$45,669
+HK$2,620/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$86,098/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,066
−HK$2,435/mo
▼ 0.25% · 3.875%
HK$46,275
−HK$1,226/mo
Today · 4.125%
HK$47,501
baseline
▲ 0.50% · 4.625%
HK$50,005
+HK$2,504/mo
Deposit HK$8.88M · loan HK$8.88M · min. income ≈ HK$95,002/mo (50% DSR)
Upfront cash ≈ HK$9.55M (deposit + AVD stamp duty HK$666,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,611
−HK$3,048/mo
▼ 0.25% · 3.875%
HK$50,123
−HK$1,536/mo
Today · 4.125%
HK$51,659
baseline
▲ 0.50% · 4.625%
HK$54,803
+HK$3,144/mo
Deposit HK$7.11M · loan HK$10.66M · min. income ≈ HK$103,318/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$666,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,079
−HK$2,922/mo
▼ 0.25% · 3.875%
HK$55,530
−HK$1,471/mo
Today · 4.125%
HK$57,001
baseline
▲ 0.50% · 4.625%
HK$60,006
+HK$3,005/mo
Deposit HK$7.11M · loan HK$10.66M · min. income ≈ HK$114,002/mo (50% DSR)
Upfront cash ≈ HK$7.77M (deposit + AVD stamp duty HK$666,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,713
−HK$3,556/mo
▼ 0.25% · 3.875%
HK$58,477
−HK$1,792/mo
Today · 4.125%
HK$60,269
baseline
▲ 0.50% · 4.625%
HK$63,936
+HK$3,667/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$120,538/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,092
−HK$3,409/mo
▼ 0.25% · 3.875%
HK$64,784
−HK$1,717/mo
Today · 4.125%
HK$66,501
baseline
▲ 0.50% · 4.625%
HK$70,006
+HK$3,505/mo
Deposit HK$5.33M · loan HK$12.44M · min. income ≈ HK$133,002/mo (50% DSR)
Upfront cash ≈ HK$6.00M (deposit + AVD stamp duty HK$666,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,916
−HK$4,573/mo
▼ 0.25% · 3.875%
HK$75,185
−HK$2,304/mo
Today · 4.125%
HK$77,489
baseline
▲ 0.50% · 4.625%
HK$82,204
+HK$4,715/mo
Deposit HK$1.78M · loan HK$15.99M · min. income ≈ HK$154,978/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,119
−HK$4,382/mo
▼ 0.25% · 3.875%
HK$83,294
−HK$2,207/mo
Today · 4.125%
HK$85,501
baseline
▲ 0.50% · 4.625%
HK$90,008
+HK$4,507/mo
Deposit HK$1.78M · loan HK$15.99M · min. income ≈ HK$171,002/mo (50% DSR)
Upfront cash ≈ HK$2.44M (deposit + AVD stamp duty HK$666,194 · Scale 2, in force from 26 Feb 2026)