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$40,197
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,447
−HK$1,270/mo
Today · 4.125%
HK$42,717
baseline
▲ 0.50% · 4.625%
HK$45,317
+HK$2,600/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,434/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,718
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,918
−HK$1,216/mo
Today · 4.125%
HK$47,134
baseline
▲ 0.50% · 4.625%
HK$49,619
+HK$2,485/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$94,268/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,236
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,736
−HK$1,525/mo
Today · 4.125%
HK$51,261
baseline
▲ 0.50% · 4.625%
HK$54,380
+HK$3,119/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$102,522/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$661,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,662
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,101
−HK$1,460/mo
Today · 4.125%
HK$56,561
baseline
▲ 0.50% · 4.625%
HK$59,543
+HK$2,982/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$113,122/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$661,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,275
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,026
−HK$1,778/mo
Today · 4.125%
HK$59,804
baseline
▲ 0.50% · 4.625%
HK$63,443
+HK$3,639/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$119,608/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,606
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$64,285
−HK$1,703/mo
Today · 4.125%
HK$65,988
baseline
▲ 0.50% · 4.625%
HK$69,467
+HK$3,479/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$131,976/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,354
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$74,605
−HK$2,286/mo
Today · 4.125%
HK$76,891
baseline
▲ 0.50% · 4.625%
HK$81,570
+HK$4,679/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$153,782/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,056 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,493
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$82,652
−HK$2,190/mo
Today · 4.125%
HK$84,842
baseline
▲ 0.50% · 4.625%
HK$89,314
+HK$4,472/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$169,684/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,056 · Scale 2, in force from 26 Feb 2026)