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$40,157
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,406
−HK$1,269/mo
Today · 4.125%
HK$42,675
baseline
▲ 0.50% · 4.625%
HK$45,271
+HK$2,596/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,350/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,674
−HK$2,413/mo
▼ 0.25% · 3.875%
HK$45,872
−HK$1,215/mo
Today · 4.125%
HK$47,087
baseline
▲ 0.50% · 4.625%
HK$49,569
+HK$2,482/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$94,174/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,188
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$49,687
−HK$1,523/mo
Today · 4.125%
HK$51,210
baseline
▲ 0.50% · 4.625%
HK$54,326
+HK$3,116/mo
Deposit HK$7.04M · loan HK$10.57M · min. income ≈ HK$102,420/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,608
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,046
−HK$1,459/mo
Today · 4.125%
HK$56,505
baseline
▲ 0.50% · 4.625%
HK$59,483
+HK$2,978/mo
Deposit HK$7.04M · loan HK$10.57M · min. income ≈ HK$113,010/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,219
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,968
−HK$1,777/mo
Today · 4.125%
HK$59,745
baseline
▲ 0.50% · 4.625%
HK$63,380
+HK$3,635/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$119,490/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,543
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,221
−HK$1,701/mo
Today · 4.125%
HK$65,922
baseline
▲ 0.50% · 4.625%
HK$69,397
+HK$3,475/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$131,844/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,282
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$74,530
−HK$2,284/mo
Today · 4.125%
HK$76,814
baseline
▲ 0.50% · 4.625%
HK$81,488
+HK$4,674/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$153,628/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,395 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,413
−HK$4,344/mo
▼ 0.25% · 3.875%
HK$82,569
−HK$2,188/mo
Today · 4.125%
HK$84,757
baseline
▲ 0.50% · 4.625%
HK$89,225
+HK$4,468/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$169,514/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,395 · Scale 2, in force from 26 Feb 2026)