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$40,181
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,431
−HK$1,270/mo
Today · 4.125%
HK$42,701
baseline
▲ 0.50% · 4.625%
HK$45,299
+HK$2,598/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,402/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,701
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,900
−HK$1,216/mo
Today · 4.125%
HK$47,116
baseline
▲ 0.50% · 4.625%
HK$49,600
+HK$2,484/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$94,232/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,217
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,717
−HK$1,524/mo
Today · 4.125%
HK$51,241
baseline
▲ 0.50% · 4.625%
HK$54,359
+HK$3,118/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$102,482/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,641
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,080
−HK$1,459/mo
Today · 4.125%
HK$56,539
baseline
▲ 0.50% · 4.625%
HK$59,520
+HK$2,981/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$113,078/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,253
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$58,003
−HK$1,778/mo
Today · 4.125%
HK$59,781
baseline
▲ 0.50% · 4.625%
HK$63,419
+HK$3,638/mo
Deposit HK$5.29M · loan HK$12.33M · min. income ≈ HK$119,562/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,581
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$64,260
−HK$1,703/mo
Today · 4.125%
HK$65,963
baseline
▲ 0.50% · 4.625%
HK$69,439
+HK$3,476/mo
Deposit HK$5.29M · loan HK$12.33M · min. income ≈ HK$131,926/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,326
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,576
−HK$2,285/mo
Today · 4.125%
HK$76,861
baseline
▲ 0.50% · 4.625%
HK$81,538
+HK$4,677/mo
Deposit HK$1.76M · loan HK$15.86M · min. income ≈ HK$153,722/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,799 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,462
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$82,620
−HK$2,189/mo
Today · 4.125%
HK$84,809
baseline
▲ 0.50% · 4.625%
HK$89,279
+HK$4,470/mo
Deposit HK$1.76M · loan HK$15.86M · min. income ≈ HK$169,618/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,799 · Scale 2, in force from 26 Feb 2026)