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$40,164
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,413
−HK$1,269/mo
Today · 4.125%
HK$42,682
baseline
▲ 0.50% · 4.625%
HK$45,280
+HK$2,598/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,364/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,682
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,880
−HK$1,216/mo
Today · 4.125%
HK$47,096
baseline
▲ 0.50% · 4.625%
HK$49,578
+HK$2,482/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$94,192/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,197
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$49,696
−HK$1,523/mo
Today · 4.125%
HK$51,219
baseline
▲ 0.50% · 4.625%
HK$54,336
+HK$3,117/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$102,438/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,618
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,056
−HK$1,459/mo
Today · 4.125%
HK$56,515
baseline
▲ 0.50% · 4.625%
HK$59,494
+HK$2,979/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$113,030/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,229
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,978
−HK$1,777/mo
Today · 4.125%
HK$59,755
baseline
▲ 0.50% · 4.625%
HK$63,391
+HK$3,636/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$119,510/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,555
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,232
−HK$1,702/mo
Today · 4.125%
HK$65,934
baseline
▲ 0.50% · 4.625%
HK$69,410
+HK$3,476/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$131,868/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,295
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$74,544
−HK$2,284/mo
Today · 4.125%
HK$76,828
baseline
▲ 0.50% · 4.625%
HK$81,503
+HK$4,675/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$153,656/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,516 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,427
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,584
−HK$2,189/mo
Today · 4.125%
HK$84,773
baseline
▲ 0.50% · 4.625%
HK$89,241
+HK$4,468/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$169,546/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,516 · Scale 2, in force from 26 Feb 2026)