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$40,160
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,409
−HK$1,270/mo
Today · 4.125%
HK$42,679
baseline
▲ 0.50% · 4.625%
HK$45,275
+HK$2,596/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,358/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,678
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,876
−HK$1,216/mo
Today · 4.125%
HK$47,092
baseline
▲ 0.50% · 4.625%
HK$49,574
+HK$2,482/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$94,184/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,192
−HK$3,022/mo
▼ 0.25% · 3.875%
HK$49,691
−HK$1,523/mo
Today · 4.125%
HK$51,214
baseline
▲ 0.50% · 4.625%
HK$54,331
+HK$3,117/mo
Deposit HK$7.04M · loan HK$10.57M · min. income ≈ HK$102,428/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,613
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,051
−HK$1,459/mo
Today · 4.125%
HK$56,510
baseline
▲ 0.50% · 4.625%
HK$59,489
+HK$2,979/mo
Deposit HK$7.04M · loan HK$10.57M · min. income ≈ HK$113,020/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,224
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,973
−HK$1,777/mo
Today · 4.125%
HK$59,750
baseline
▲ 0.50% · 4.625%
HK$63,386
+HK$3,636/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$119,500/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,549
−HK$3,379/mo
▼ 0.25% · 3.875%
HK$64,226
−HK$1,702/mo
Today · 4.125%
HK$65,928
baseline
▲ 0.50% · 4.625%
HK$69,403
+HK$3,475/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$131,856/mo (50% DSR)
Upfront cash ≈ HK$5.94M (deposit + AVD stamp duty HK$660,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,288
−HK$4,533/mo
▼ 0.25% · 3.875%
HK$74,537
−HK$2,284/mo
Today · 4.125%
HK$76,821
baseline
▲ 0.50% · 4.625%
HK$81,496
+HK$4,675/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$153,642/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,420
−HK$4,345/mo
▼ 0.25% · 3.875%
HK$82,577
−HK$2,188/mo
Today · 4.125%
HK$84,765
baseline
▲ 0.50% · 4.625%
HK$89,233
+HK$4,468/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$169,530/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,455 · Scale 2, in force from 26 Feb 2026)