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$40,173
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,423
−HK$1,270/mo
Today · 4.125%
HK$42,693
baseline
▲ 0.50% · 4.625%
HK$45,290
+HK$2,597/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,386/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,692
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,891
−HK$1,216/mo
Today · 4.125%
HK$47,107
baseline
▲ 0.50% · 4.625%
HK$49,590
+HK$2,483/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$94,214/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,208
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$49,708
−HK$1,523/mo
Today · 4.125%
HK$51,231
baseline
▲ 0.50% · 4.625%
HK$54,348
+HK$3,117/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$102,462/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,631
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,069
−HK$1,459/mo
Today · 4.125%
HK$56,528
baseline
▲ 0.50% · 4.625%
HK$59,508
+HK$2,980/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$113,056/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,243
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$57,992
−HK$1,778/mo
Today · 4.125%
HK$59,770
baseline
▲ 0.50% · 4.625%
HK$63,406
+HK$3,636/mo
Deposit HK$5.29M · loan HK$12.33M · min. income ≈ HK$119,540/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,569
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,248
−HK$1,702/mo
Today · 4.125%
HK$65,950
baseline
▲ 0.50% · 4.625%
HK$69,426
+HK$3,476/mo
Deposit HK$5.29M · loan HK$12.33M · min. income ≈ HK$131,900/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,312
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,561
−HK$2,286/mo
Today · 4.125%
HK$76,847
baseline
▲ 0.50% · 4.625%
HK$81,523
+HK$4,676/mo
Deposit HK$1.76M · loan HK$15.86M · min. income ≈ HK$153,694/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,672 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,446
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$82,604
−HK$2,189/mo
Today · 4.125%
HK$84,793
baseline
▲ 0.50% · 4.625%
HK$89,262
+HK$4,469/mo
Deposit HK$1.76M · loan HK$15.86M · min. income ≈ HK$169,586/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,672 · Scale 2, in force from 26 Feb 2026)