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$40,165
−HK$2,518/mo
▼ 0.25% · 3.875%
HK$41,414
−HK$1,269/mo
Today · 4.125%
HK$42,683
baseline
▲ 0.50% · 4.625%
HK$45,281
+HK$2,598/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,366/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,683
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,881
−HK$1,216/mo
Today · 4.125%
HK$47,097
baseline
▲ 0.50% · 4.625%
HK$49,579
+HK$2,482/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$94,194/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,198
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$49,697
−HK$1,523/mo
Today · 4.125%
HK$51,220
baseline
▲ 0.50% · 4.625%
HK$54,337
+HK$3,117/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$102,440/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,619
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,057
−HK$1,459/mo
Today · 4.125%
HK$56,516
baseline
▲ 0.50% · 4.625%
HK$59,495
+HK$2,979/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$113,032/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,231
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,980
−HK$1,777/mo
Today · 4.125%
HK$59,757
baseline
▲ 0.50% · 4.625%
HK$63,393
+HK$3,636/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$119,514/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,556
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,234
−HK$1,702/mo
Today · 4.125%
HK$65,936
baseline
▲ 0.50% · 4.625%
HK$69,411
+HK$3,475/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$131,872/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,296
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$74,545
−HK$2,285/mo
Today · 4.125%
HK$76,830
baseline
▲ 0.50% · 4.625%
HK$81,505
+HK$4,675/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$153,660/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,529 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,429
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$82,586
−HK$2,188/mo
Today · 4.125%
HK$84,774
baseline
▲ 0.50% · 4.625%
HK$89,243
+HK$4,469/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$169,548/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,529 · Scale 2, in force from 26 Feb 2026)