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$40,190
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,440
−HK$1,270/mo
Today · 4.125%
HK$42,710
baseline
▲ 0.50% · 4.625%
HK$45,309
+HK$2,599/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,420/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,711
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,910
−HK$1,217/mo
Today · 4.125%
HK$47,127
baseline
▲ 0.50% · 4.625%
HK$49,611
+HK$2,484/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$94,254/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,228
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,728
−HK$1,524/mo
Today · 4.125%
HK$51,252
baseline
▲ 0.50% · 4.625%
HK$54,371
+HK$3,119/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$102,504/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,653
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,092
−HK$1,460/mo
Today · 4.125%
HK$56,552
baseline
▲ 0.50% · 4.625%
HK$59,533
+HK$2,981/mo
Deposit HK$7.05M · loan HK$10.58M · min. income ≈ HK$113,104/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,266
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$58,016
−HK$1,778/mo
Today · 4.125%
HK$59,794
baseline
▲ 0.50% · 4.625%
HK$63,433
+HK$3,639/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$119,588/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,595
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$64,274
−HK$1,703/mo
Today · 4.125%
HK$65,977
baseline
▲ 0.50% · 4.625%
HK$69,455
+HK$3,478/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$131,954/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,342
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$74,592
−HK$2,286/mo
Today · 4.125%
HK$76,878
baseline
▲ 0.50% · 4.625%
HK$81,556
+HK$4,678/mo
Deposit HK$1.76M · loan HK$15.86M · min. income ≈ HK$153,756/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,945 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,480
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$82,638
−HK$2,190/mo
Today · 4.125%
HK$84,828
baseline
▲ 0.50% · 4.625%
HK$89,299
+HK$4,471/mo
Deposit HK$1.76M · loan HK$15.86M · min. income ≈ HK$169,656/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,945 · Scale 2, in force from 26 Feb 2026)