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$40,163
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,412
−HK$1,269/mo
Today · 4.125%
HK$42,681
baseline
▲ 0.50% · 4.625%
HK$45,278
+HK$2,597/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,362/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,680
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,879
−HK$1,215/mo
Today · 4.125%
HK$47,094
baseline
▲ 0.50% · 4.625%
HK$49,577
+HK$2,483/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$94,188/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,195
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$49,694
−HK$1,523/mo
Today · 4.125%
HK$51,217
baseline
▲ 0.50% · 4.625%
HK$54,334
+HK$3,117/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$102,434/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,616
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,054
−HK$1,459/mo
Today · 4.125%
HK$56,513
baseline
▲ 0.50% · 4.625%
HK$59,492
+HK$2,979/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$113,026/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,228
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,977
−HK$1,776/mo
Today · 4.125%
HK$59,753
baseline
▲ 0.50% · 4.625%
HK$63,389
+HK$3,636/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$119,506/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,553
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,230
−HK$1,702/mo
Today · 4.125%
HK$65,932
baseline
▲ 0.50% · 4.625%
HK$69,407
+HK$3,475/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$131,864/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,293
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$74,541
−HK$2,285/mo
Today · 4.125%
HK$76,826
baseline
▲ 0.50% · 4.625%
HK$81,501
+HK$4,675/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$153,652/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,494 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,425
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$82,582
−HK$2,188/mo
Today · 4.125%
HK$84,770
baseline
▲ 0.50% · 4.625%
HK$89,238
+HK$4,468/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$169,540/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,494 · Scale 2, in force from 26 Feb 2026)