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$40,165
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,415
−HK$1,269/mo
Today · 4.125%
HK$42,684
baseline
▲ 0.50% · 4.625%
HK$45,281
+HK$2,597/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,368/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,684
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,882
−HK$1,216/mo
Today · 4.125%
HK$47,098
baseline
▲ 0.50% · 4.625%
HK$49,580
+HK$2,482/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$94,196/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,198
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$49,698
−HK$1,523/mo
Today · 4.125%
HK$51,221
baseline
▲ 0.50% · 4.625%
HK$54,338
+HK$3,117/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$102,442/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,620
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,058
−HK$1,459/mo
Today · 4.125%
HK$56,517
baseline
▲ 0.50% · 4.625%
HK$59,496
+HK$2,979/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$113,034/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,232
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,981
−HK$1,777/mo
Today · 4.125%
HK$59,758
baseline
▲ 0.50% · 4.625%
HK$63,394
+HK$3,636/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$119,516/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,557
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,235
−HK$1,702/mo
Today · 4.125%
HK$65,937
baseline
▲ 0.50% · 4.625%
HK$69,412
+HK$3,475/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$131,874/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,298
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$74,547
−HK$2,284/mo
Today · 4.125%
HK$76,831
baseline
▲ 0.50% · 4.625%
HK$81,506
+HK$4,675/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$153,662/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,541 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,430
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,588
−HK$2,188/mo
Today · 4.125%
HK$84,776
baseline
▲ 0.50% · 4.625%
HK$89,245
+HK$4,469/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$169,552/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,541 · Scale 2, in force from 26 Feb 2026)