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$40,195
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,445
−HK$1,271/mo
Today · 4.125%
HK$42,716
baseline
▲ 0.50% · 4.625%
HK$45,315
+HK$2,599/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,432/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$661,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,717
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,916
−HK$1,217/mo
Today · 4.125%
HK$47,133
baseline
▲ 0.50% · 4.625%
HK$49,617
+HK$2,484/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$94,266/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$661,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,234
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,735
−HK$1,524/mo
Today · 4.125%
HK$51,259
baseline
▲ 0.50% · 4.625%
HK$54,378
+HK$3,119/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$102,518/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$661,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,660
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,099
−HK$1,460/mo
Today · 4.125%
HK$56,559
baseline
▲ 0.50% · 4.625%
HK$59,540
+HK$2,981/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$113,118/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$661,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,273
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,024
−HK$1,778/mo
Today · 4.125%
HK$59,802
baseline
▲ 0.50% · 4.625%
HK$63,441
+HK$3,639/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$119,604/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,603
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,282
−HK$1,704/mo
Today · 4.125%
HK$65,986
baseline
▲ 0.50% · 4.625%
HK$69,464
+HK$3,478/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$131,972/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,351
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$74,602
−HK$2,286/mo
Today · 4.125%
HK$76,888
baseline
▲ 0.50% · 4.625%
HK$81,567
+HK$4,679/mo
Deposit HK$1.76M · loan HK$15.86M · min. income ≈ HK$153,776/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,490
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$82,649
−HK$2,190/mo
Today · 4.125%
HK$84,839
baseline
▲ 0.50% · 4.625%
HK$89,311
+HK$4,472/mo
Deposit HK$1.76M · loan HK$15.86M · min. income ≈ HK$169,678/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,030 · Scale 2, in force from 26 Feb 2026)