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$40,169
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,419
−HK$1,269/mo
Today · 4.125%
HK$42,688
baseline
▲ 0.50% · 4.625%
HK$45,286
+HK$2,598/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,376/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,688
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,886
−HK$1,216/mo
Today · 4.125%
HK$47,102
baseline
▲ 0.50% · 4.625%
HK$49,585
+HK$2,483/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$94,204/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,203
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$49,702
−HK$1,524/mo
Today · 4.125%
HK$51,226
baseline
▲ 0.50% · 4.625%
HK$54,343
+HK$3,117/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$102,452/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,625
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,063
−HK$1,459/mo
Today · 4.125%
HK$56,522
baseline
▲ 0.50% · 4.625%
HK$59,502
+HK$2,980/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$113,044/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,237
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,986
−HK$1,777/mo
Today · 4.125%
HK$59,763
baseline
▲ 0.50% · 4.625%
HK$63,400
+HK$3,637/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$119,526/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,563
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,241
−HK$1,702/mo
Today · 4.125%
HK$65,943
baseline
▲ 0.50% · 4.625%
HK$69,419
+HK$3,476/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$131,886/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,304
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,553
−HK$2,286/mo
Today · 4.125%
HK$76,839
baseline
▲ 0.50% · 4.625%
HK$81,514
+HK$4,675/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$153,678/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,438
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,595
−HK$2,189/mo
Today · 4.125%
HK$84,784
baseline
▲ 0.50% · 4.625%
HK$89,253
+HK$4,469/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$169,568/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,602 · Scale 2, in force from 26 Feb 2026)