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$40,161
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,410
−HK$1,269/mo
Today · 4.125%
HK$42,679
baseline
▲ 0.50% · 4.625%
HK$45,276
+HK$2,597/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,358/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,678
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,877
−HK$1,215/mo
Today · 4.125%
HK$47,092
baseline
▲ 0.50% · 4.625%
HK$49,574
+HK$2,482/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$94,184/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,193
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$49,692
−HK$1,523/mo
Today · 4.125%
HK$51,215
baseline
▲ 0.50% · 4.625%
HK$54,331
+HK$3,116/mo
Deposit HK$7.04M · loan HK$10.57M · min. income ≈ HK$102,430/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,614
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,052
−HK$1,458/mo
Today · 4.125%
HK$56,510
baseline
▲ 0.50% · 4.625%
HK$59,489
+HK$2,979/mo
Deposit HK$7.04M · loan HK$10.57M · min. income ≈ HK$113,020/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,225
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,974
−HK$1,777/mo
Today · 4.125%
HK$59,751
baseline
▲ 0.50% · 4.625%
HK$63,386
+HK$3,635/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$119,502/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,550
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,227
−HK$1,702/mo
Today · 4.125%
HK$65,929
baseline
▲ 0.50% · 4.625%
HK$69,404
+HK$3,475/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$131,858/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,289
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$74,538
−HK$2,284/mo
Today · 4.125%
HK$76,822
baseline
▲ 0.50% · 4.625%
HK$81,497
+HK$4,675/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$153,644/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,462 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,421
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$82,578
−HK$2,188/mo
Today · 4.125%
HK$84,766
baseline
▲ 0.50% · 4.625%
HK$89,234
+HK$4,468/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$169,532/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,462 · Scale 2, in force from 26 Feb 2026)