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$40,205
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,456
−HK$1,270/mo
Today · 4.125%
HK$42,726
baseline
▲ 0.50% · 4.625%
HK$45,326
+HK$2,600/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$85,452/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,728
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,927
−HK$1,217/mo
Today · 4.125%
HK$47,144
baseline
▲ 0.50% · 4.625%
HK$49,629
+HK$2,485/mo
Deposit HK$8.82M · loan HK$8.82M · min. income ≈ HK$94,288/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,246
−HK$3,026/mo
▼ 0.25% · 3.875%
HK$49,747
−HK$1,525/mo
Today · 4.125%
HK$51,272
baseline
▲ 0.50% · 4.625%
HK$54,391
+HK$3,119/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$102,544/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$661,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,673
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,113
−HK$1,460/mo
Today · 4.125%
HK$56,573
baseline
▲ 0.50% · 4.625%
HK$59,555
+HK$2,982/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$113,146/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$661,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,287
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,038
−HK$1,779/mo
Today · 4.125%
HK$59,817
baseline
▲ 0.50% · 4.625%
HK$63,457
+HK$3,640/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$119,634/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,619
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,298
−HK$1,704/mo
Today · 4.125%
HK$66,002
baseline
▲ 0.50% · 4.625%
HK$69,481
+HK$3,479/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$132,004/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,369
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$74,620
−HK$2,287/mo
Today · 4.125%
HK$76,907
baseline
▲ 0.50% · 4.625%
HK$81,587
+HK$4,680/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$153,814/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,194 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,510
−HK$4,350/mo
▼ 0.25% · 3.875%
HK$82,669
−HK$2,191/mo
Today · 4.125%
HK$84,860
baseline
▲ 0.50% · 4.625%
HK$89,333
+HK$4,473/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$169,720/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,194 · Scale 2, in force from 26 Feb 2026)