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$40,200
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,450
−HK$1,270/mo
Today · 4.125%
HK$42,720
baseline
▲ 0.50% · 4.625%
HK$45,320
+HK$2,600/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,440/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,722
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,921
−HK$1,217/mo
Today · 4.125%
HK$47,138
baseline
▲ 0.50% · 4.625%
HK$49,622
+HK$2,484/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$94,276/mo (50% DSR)
Upfront cash ≈ HK$9.48M (deposit + AVD stamp duty HK$661,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,239
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,740
−HK$1,524/mo
Today · 4.125%
HK$51,264
baseline
▲ 0.50% · 4.625%
HK$54,384
+HK$3,120/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$102,528/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$661,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,666
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,105
−HK$1,460/mo
Today · 4.125%
HK$56,565
baseline
▲ 0.50% · 4.625%
HK$59,547
+HK$2,982/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$113,130/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$661,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,279
−HK$3,530/mo
▼ 0.25% · 3.875%
HK$58,030
−HK$1,779/mo
Today · 4.125%
HK$59,809
baseline
▲ 0.50% · 4.625%
HK$63,448
+HK$3,639/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$119,618/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,610
−HK$3,383/mo
▼ 0.25% · 3.875%
HK$64,289
−HK$1,704/mo
Today · 4.125%
HK$65,993
baseline
▲ 0.50% · 4.625%
HK$69,471
+HK$3,478/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$131,986/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$661,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,359
−HK$4,538/mo
▼ 0.25% · 3.875%
HK$74,610
−HK$2,287/mo
Today · 4.125%
HK$76,897
baseline
▲ 0.50% · 4.625%
HK$81,576
+HK$4,679/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$153,794/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,102 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,499
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$82,658
−HK$2,190/mo
Today · 4.125%
HK$84,848
baseline
▲ 0.50% · 4.625%
HK$89,320
+HK$4,472/mo
Deposit HK$1.76M · loan HK$15.87M · min. income ≈ HK$169,696/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$661,102 · Scale 2, in force from 26 Feb 2026)