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$40,196
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,447
−HK$1,270/mo
Today · 4.125%
HK$42,717
baseline
▲ 0.50% · 4.625%
HK$45,316
+HK$2,599/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,434/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,718
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,917
−HK$1,217/mo
Today · 4.125%
HK$47,134
baseline
▲ 0.50% · 4.625%
HK$49,619
+HK$2,485/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$94,268/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,236
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,736
−HK$1,524/mo
Today · 4.125%
HK$51,260
baseline
▲ 0.50% · 4.625%
HK$54,379
+HK$3,119/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$102,520/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$661,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,662
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,101
−HK$1,460/mo
Today · 4.125%
HK$56,561
baseline
▲ 0.50% · 4.625%
HK$59,542
+HK$2,981/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$113,122/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$661,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,275
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,025
−HK$1,779/mo
Today · 4.125%
HK$59,804
baseline
▲ 0.50% · 4.625%
HK$63,443
+HK$3,639/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$119,608/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,605
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,284
−HK$1,704/mo
Today · 4.125%
HK$65,988
baseline
▲ 0.50% · 4.625%
HK$69,466
+HK$3,478/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$131,976/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,353
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$74,604
−HK$2,287/mo
Today · 4.125%
HK$76,891
baseline
▲ 0.50% · 4.625%
HK$81,569
+HK$4,678/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$153,782/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,050 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,492
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$82,651
−HK$2,190/mo
Today · 4.125%
HK$84,841
baseline
▲ 0.50% · 4.625%
HK$89,313
+HK$4,472/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$169,682/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,050 · Scale 2, in force from 26 Feb 2026)