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$40,179
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,429
−HK$1,270/mo
Today · 4.125%
HK$42,699
baseline
▲ 0.50% · 4.625%
HK$45,297
+HK$2,598/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,398/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,699
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,897
−HK$1,217/mo
Today · 4.125%
HK$47,114
baseline
▲ 0.50% · 4.625%
HK$49,597
+HK$2,483/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$94,228/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,215
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$49,715
−HK$1,523/mo
Today · 4.125%
HK$51,238
baseline
▲ 0.50% · 4.625%
HK$54,356
+HK$3,118/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$102,476/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,638
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,077
−HK$1,459/mo
Today · 4.125%
HK$56,536
baseline
▲ 0.50% · 4.625%
HK$59,516
+HK$2,980/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$113,072/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,251
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$58,000
−HK$1,778/mo
Today · 4.125%
HK$59,778
baseline
▲ 0.50% · 4.625%
HK$63,415
+HK$3,637/mo
Deposit HK$5.29M · loan HK$12.33M · min. income ≈ HK$119,556/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,578
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,256
−HK$1,703/mo
Today · 4.125%
HK$65,959
baseline
▲ 0.50% · 4.625%
HK$69,436
+HK$3,477/mo
Deposit HK$5.29M · loan HK$12.33M · min. income ≈ HK$131,918/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,322
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,572
−HK$2,285/mo
Today · 4.125%
HK$76,857
baseline
▲ 0.50% · 4.625%
HK$81,534
+HK$4,677/mo
Deposit HK$1.76M · loan HK$15.86M · min. income ≈ HK$153,714/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,765 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,458
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$82,615
−HK$2,190/mo
Today · 4.125%
HK$84,805
baseline
▲ 0.50% · 4.625%
HK$89,275
+HK$4,470/mo
Deposit HK$1.76M · loan HK$15.86M · min. income ≈ HK$169,610/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,765 · Scale 2, in force from 26 Feb 2026)