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$40,155
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,404
−HK$1,270/mo
Today · 4.125%
HK$42,674
baseline
▲ 0.50% · 4.625%
HK$45,270
+HK$2,596/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,348/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,672
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,871
−HK$1,215/mo
Today · 4.125%
HK$47,086
baseline
▲ 0.50% · 4.625%
HK$49,568
+HK$2,482/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$94,172/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,187
−HK$3,021/mo
▼ 0.25% · 3.875%
HK$49,685
−HK$1,523/mo
Today · 4.125%
HK$51,208
baseline
▲ 0.50% · 4.625%
HK$54,324
+HK$3,116/mo
Deposit HK$7.04M · loan HK$10.57M · min. income ≈ HK$102,416/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,607
−HK$2,896/mo
▼ 0.25% · 3.875%
HK$55,045
−HK$1,458/mo
Today · 4.125%
HK$56,503
baseline
▲ 0.50% · 4.625%
HK$59,482
+HK$2,979/mo
Deposit HK$7.04M · loan HK$10.57M · min. income ≈ HK$113,006/mo (50% DSR)
Upfront cash ≈ HK$7.70M (deposit + AVD stamp duty HK$660,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,218
−HK$3,525/mo
▼ 0.25% · 3.875%
HK$57,966
−HK$1,777/mo
Today · 4.125%
HK$59,743
baseline
▲ 0.50% · 4.625%
HK$63,378
+HK$3,635/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$119,486/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,541
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,219
−HK$1,701/mo
Today · 4.125%
HK$65,920
baseline
▲ 0.50% · 4.625%
HK$69,395
+HK$3,475/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$131,840/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,280
−HK$4,532/mo
▼ 0.25% · 3.875%
HK$74,528
−HK$2,284/mo
Today · 4.125%
HK$76,812
baseline
▲ 0.50% · 4.625%
HK$81,486
+HK$4,674/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$153,624/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,377 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,410
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$82,567
−HK$2,188/mo
Today · 4.125%
HK$84,755
baseline
▲ 0.50% · 4.625%
HK$89,222
+HK$4,467/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$169,510/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,377 · Scale 2, in force from 26 Feb 2026)