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$40,200
−HK$2,521/mo
▼ 0.25% · 3.875%
HK$41,451
−HK$1,270/mo
Today · 4.125%
HK$42,721
baseline
▲ 0.50% · 4.625%
HK$45,321
+HK$2,600/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,442/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,723
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,922
−HK$1,217/mo
Today · 4.125%
HK$47,139
baseline
▲ 0.50% · 4.625%
HK$49,624
+HK$2,485/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$94,278/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,241
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,741
−HK$1,525/mo
Today · 4.125%
HK$51,266
baseline
▲ 0.50% · 4.625%
HK$54,385
+HK$3,119/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$102,532/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$661,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,667
−HK$2,900/mo
▼ 0.25% · 3.875%
HK$55,106
−HK$1,461/mo
Today · 4.125%
HK$56,567
baseline
▲ 0.50% · 4.625%
HK$59,548
+HK$2,981/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$113,134/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$661,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,281
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,031
−HK$1,779/mo
Today · 4.125%
HK$59,810
baseline
▲ 0.50% · 4.625%
HK$63,449
+HK$3,639/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$119,620/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,612
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$64,291
−HK$1,703/mo
Today · 4.125%
HK$65,994
baseline
▲ 0.50% · 4.625%
HK$69,473
+HK$3,479/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$131,988/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,361
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$74,612
−HK$2,286/mo
Today · 4.125%
HK$76,898
baseline
▲ 0.50% · 4.625%
HK$81,578
+HK$4,680/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$153,796/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,118 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,501
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$82,660
−HK$2,190/mo
Today · 4.125%
HK$84,850
baseline
▲ 0.50% · 4.625%
HK$89,322
+HK$4,472/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$169,700/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,118 · Scale 2, in force from 26 Feb 2026)