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$2,521/mo
▼ 0.25% · 3.875%
HK$41,447
−HK$1,271/mo
Today · 4.125%
HK$42,718
baseline
▲ 0.50% · 4.625%
HK$45,317
+HK$2,599/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,436/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,719
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,918
−HK$1,217/mo
Today · 4.125%
HK$47,135
baseline
▲ 0.50% · 4.625%
HK$49,619
+HK$2,484/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$94,270/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,237
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,737
−HK$1,524/mo
Today · 4.125%
HK$51,261
baseline
▲ 0.50% · 4.625%
HK$54,381
+HK$3,120/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$661,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,663
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,102
−HK$1,460/mo
Today · 4.125%
HK$56,562
baseline
▲ 0.50% · 4.625%
HK$59,543
+HK$2,981/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$113,124/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$661,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,276
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,026
−HK$1,779/mo
Today · 4.125%
HK$59,805
baseline
▲ 0.50% · 4.625%
HK$63,444
+HK$3,639/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$119,610/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,606
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,285
−HK$1,704/mo
Today · 4.125%
HK$65,989
baseline
▲ 0.50% · 4.625%
HK$69,467
+HK$3,478/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$131,978/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,355
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$74,605
−HK$2,287/mo
Today · 4.125%
HK$76,892
baseline
▲ 0.50% · 4.625%
HK$81,571
+HK$4,679/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$153,784/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,063 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,494
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$82,653
−HK$2,190/mo
Today · 4.125%
HK$84,843
baseline
▲ 0.50% · 4.625%
HK$89,315
+HK$4,472/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$169,686/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,063 · Scale 2, in force from 26 Feb 2026)