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$40,192
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,442
−HK$1,270/mo
Today · 4.125%
HK$42,712
baseline
▲ 0.50% · 4.625%
HK$45,311
+HK$2,599/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,424/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,713
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,912
−HK$1,217/mo
Today · 4.125%
HK$47,129
baseline
▲ 0.50% · 4.625%
HK$49,613
+HK$2,484/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$94,258/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,230
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,731
−HK$1,524/mo
Today · 4.125%
HK$51,255
baseline
▲ 0.50% · 4.625%
HK$54,374
+HK$3,119/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$102,510/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,656
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,095
−HK$1,460/mo
Today · 4.125%
HK$56,555
baseline
▲ 0.50% · 4.625%
HK$59,536
+HK$2,981/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$113,110/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,269
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$58,019
−HK$1,778/mo
Today · 4.125%
HK$59,797
baseline
▲ 0.50% · 4.625%
HK$63,436
+HK$3,639/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$119,594/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,599
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$64,277
−HK$1,704/mo
Today · 4.125%
HK$65,981
baseline
▲ 0.50% · 4.625%
HK$69,459
+HK$3,478/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$131,962/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,346
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$74,596
−HK$2,286/mo
Today · 4.125%
HK$76,882
baseline
▲ 0.50% · 4.625%
HK$81,561
+HK$4,679/mo
Deposit HK$1.76M · loan HK$15.86M · min. income ≈ HK$153,764/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,980 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,484
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$82,642
−HK$2,190/mo
Today · 4.125%
HK$84,832
baseline
▲ 0.50% · 4.625%
HK$89,304
+HK$4,472/mo
Deposit HK$1.76M · loan HK$15.86M · min. income ≈ HK$169,664/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,980 · Scale 2, in force from 26 Feb 2026)