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$40,208
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,459
−HK$1,270/mo
Today · 4.125%
HK$42,729
baseline
▲ 0.50% · 4.625%
HK$45,329
+HK$2,600/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$85,458/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,731
−HK$2,417/mo
▼ 0.25% · 3.875%
HK$45,931
−HK$1,217/mo
Today · 4.125%
HK$47,148
baseline
▲ 0.50% · 4.625%
HK$49,633
+HK$2,485/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$94,296/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,249
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,750
−HK$1,525/mo
Today · 4.125%
HK$51,275
baseline
▲ 0.50% · 4.625%
HK$54,395
+HK$3,120/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$102,550/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$661,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,677
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,117
−HK$1,460/mo
Today · 4.125%
HK$56,577
baseline
▲ 0.50% · 4.625%
HK$59,559
+HK$2,982/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$113,154/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$661,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,291
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,042
−HK$1,779/mo
Today · 4.125%
HK$59,821
baseline
▲ 0.50% · 4.625%
HK$63,461
+HK$3,640/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$119,642/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,623
−HK$3,384/mo
▼ 0.25% · 3.875%
HK$64,303
−HK$1,704/mo
Today · 4.125%
HK$66,007
baseline
▲ 0.50% · 4.625%
HK$69,486
+HK$3,479/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$132,014/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,374
−HK$4,539/mo
▼ 0.25% · 3.875%
HK$74,625
−HK$2,288/mo
Today · 4.125%
HK$76,913
baseline
▲ 0.50% · 4.625%
HK$81,593
+HK$4,680/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$153,826/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,240 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,516
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$82,675
−HK$2,191/mo
Today · 4.125%
HK$84,866
baseline
▲ 0.50% · 4.625%
HK$89,339
+HK$4,473/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$169,732/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,240 · Scale 2, in force from 26 Feb 2026)