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$40,187
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,437
−HK$1,270/mo
Today · 4.125%
HK$42,707
baseline
▲ 0.50% · 4.625%
HK$45,306
+HK$2,599/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,414/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,708
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,907
−HK$1,216/mo
Today · 4.125%
HK$47,123
baseline
▲ 0.50% · 4.625%
HK$49,607
+HK$2,484/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$94,246/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,225
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,725
−HK$1,524/mo
Today · 4.125%
HK$51,249
baseline
▲ 0.50% · 4.625%
HK$54,367
+HK$3,118/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$102,498/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,650
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,088
−HK$1,460/mo
Today · 4.125%
HK$56,548
baseline
▲ 0.50% · 4.625%
HK$59,529
+HK$2,981/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$113,096/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,262
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$58,012
−HK$1,778/mo
Today · 4.125%
HK$59,790
baseline
▲ 0.50% · 4.625%
HK$63,428
+HK$3,638/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$119,580/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,591
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$64,270
−HK$1,703/mo
Today · 4.125%
HK$65,973
baseline
▲ 0.50% · 4.625%
HK$69,450
+HK$3,477/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$131,946/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,337
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$74,587
−HK$2,286/mo
Today · 4.125%
HK$76,873
baseline
▲ 0.50% · 4.625%
HK$81,551
+HK$4,678/mo
Deposit HK$1.76M · loan HK$15.86M · min. income ≈ HK$153,746/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,902 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,474
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$82,633
−HK$2,189/mo
Today · 4.125%
HK$84,822
baseline
▲ 0.50% · 4.625%
HK$89,293
+HK$4,471/mo
Deposit HK$1.76M · loan HK$15.86M · min. income ≈ HK$169,644/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,902 · Scale 2, in force from 26 Feb 2026)