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$40,183
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,433
−HK$1,270/mo
Today · 4.125%
HK$42,703
baseline
▲ 0.50% · 4.625%
HK$45,301
+HK$2,598/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,406/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,703
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,902
−HK$1,217/mo
Today · 4.125%
HK$47,119
baseline
▲ 0.50% · 4.625%
HK$49,602
+HK$2,483/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$94,238/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,220
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,720
−HK$1,524/mo
Today · 4.125%
HK$51,244
baseline
▲ 0.50% · 4.625%
HK$54,362
+HK$3,118/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$102,488/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,644
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,083
−HK$1,459/mo
Today · 4.125%
HK$56,542
baseline
▲ 0.50% · 4.625%
HK$59,523
+HK$2,981/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$113,084/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,257
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$58,006
−HK$1,778/mo
Today · 4.125%
HK$59,784
baseline
▲ 0.50% · 4.625%
HK$63,422
+HK$3,638/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$119,568/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,585
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,263
−HK$1,703/mo
Today · 4.125%
HK$65,966
baseline
▲ 0.50% · 4.625%
HK$69,443
+HK$3,477/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$131,932/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,330
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$74,580
−HK$2,286/mo
Today · 4.125%
HK$76,866
baseline
▲ 0.50% · 4.625%
HK$81,543
+HK$4,677/mo
Deposit HK$1.76M · loan HK$15.86M · min. income ≈ HK$153,732/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,835 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,466
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$82,624
−HK$2,190/mo
Today · 4.125%
HK$84,814
baseline
▲ 0.50% · 4.625%
HK$89,284
+HK$4,470/mo
Deposit HK$1.76M · loan HK$15.86M · min. income ≈ HK$169,628/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,835 · Scale 2, in force from 26 Feb 2026)