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$40,194
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,445
−HK$1,270/mo
Today · 4.125%
HK$42,715
baseline
▲ 0.50% · 4.625%
HK$45,314
+HK$2,599/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,430/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$661,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,716
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,915
−HK$1,217/mo
Today · 4.125%
HK$47,132
baseline
▲ 0.50% · 4.625%
HK$49,616
+HK$2,484/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$94,264/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$661,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,233
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,734
−HK$1,524/mo
Today · 4.125%
HK$51,258
baseline
▲ 0.50% · 4.625%
HK$54,377
+HK$3,119/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$102,516/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$661,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,659
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,098
−HK$1,460/mo
Today · 4.125%
HK$56,558
baseline
▲ 0.50% · 4.625%
HK$59,539
+HK$2,981/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$113,116/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$661,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,272
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,022
−HK$1,779/mo
Today · 4.125%
HK$59,801
baseline
▲ 0.50% · 4.625%
HK$63,440
+HK$3,639/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$119,602/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,602
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$64,281
−HK$1,703/mo
Today · 4.125%
HK$65,984
baseline
▲ 0.50% · 4.625%
HK$69,462
+HK$3,478/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$131,968/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,350
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$74,600
−HK$2,287/mo
Today · 4.125%
HK$76,887
baseline
▲ 0.50% · 4.625%
HK$81,565
+HK$4,678/mo
Deposit HK$1.76M · loan HK$15.86M · min. income ≈ HK$153,774/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,488
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$82,647
−HK$2,190/mo
Today · 4.125%
HK$84,837
baseline
▲ 0.50% · 4.625%
HK$89,309
+HK$4,472/mo
Deposit HK$1.76M · loan HK$15.86M · min. income ≈ HK$169,674/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,017 · Scale 2, in force from 26 Feb 2026)