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$40,159
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,408
−HK$1,269/mo
Today · 4.125%
HK$42,677
baseline
▲ 0.50% · 4.625%
HK$45,274
+HK$2,597/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,354/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,676
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,874
−HK$1,216/mo
Today · 4.125%
HK$47,090
baseline
▲ 0.50% · 4.625%
HK$49,572
+HK$2,482/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$94,180/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,191
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$49,690
−HK$1,523/mo
Today · 4.125%
HK$51,213
baseline
▲ 0.50% · 4.625%
HK$54,329
+HK$3,116/mo
Deposit HK$7.04M · loan HK$10.57M · min. income ≈ HK$102,426/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,612
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,049
−HK$1,459/mo
Today · 4.125%
HK$56,508
baseline
▲ 0.50% · 4.625%
HK$59,487
+HK$2,979/mo
Deposit HK$7.04M · loan HK$10.57M · min. income ≈ HK$113,016/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,222
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,971
−HK$1,777/mo
Today · 4.125%
HK$59,748
baseline
▲ 0.50% · 4.625%
HK$63,383
+HK$3,635/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$119,496/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,547
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,224
−HK$1,702/mo
Today · 4.125%
HK$65,926
baseline
▲ 0.50% · 4.625%
HK$69,401
+HK$3,475/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$131,852/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,286
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$74,534
−HK$2,285/mo
Today · 4.125%
HK$76,819
baseline
▲ 0.50% · 4.625%
HK$81,493
+HK$4,674/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$153,638/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,433 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,417
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$82,574
−HK$2,188/mo
Today · 4.125%
HK$84,762
baseline
▲ 0.50% · 4.625%
HK$89,230
+HK$4,468/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$169,524/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,433 · Scale 2, in force from 26 Feb 2026)