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$2,521/mo
▼ 0.25% · 3.875%
HK$41,442
−HK$1,271/mo
Today · 4.125%
HK$42,713
baseline
▲ 0.50% · 4.625%
HK$45,312
+HK$2,599/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,426/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,713
−HK$2,416/mo
▼ 0.25% · 3.875%
HK$45,913
−HK$1,216/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$660,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,231
−HK$3,024/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$660,983 · 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$660,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,269
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,019
−HK$1,779/mo
Today · 4.125%
HK$59,798
baseline
▲ 0.50% · 4.625%
HK$63,436
+HK$3,638/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$119,596/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,599
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$64,278
−HK$1,703/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$660,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,346
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$74,596
−HK$2,287/mo
Today · 4.125%
HK$76,883
baseline
▲ 0.50% · 4.625%
HK$81,561
+HK$4,678/mo
Deposit HK$1.76M · loan HK$15.86M · min. income ≈ HK$153,766/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,983 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,484
−HK$4,349/mo
▼ 0.25% · 3.875%
HK$82,643
−HK$2,190/mo
Today · 4.125%
HK$84,833
baseline
▲ 0.50% · 4.625%
HK$89,304
+HK$4,471/mo
Deposit HK$1.76M · loan HK$15.86M · min. income ≈ HK$169,666/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,983 · Scale 2, in force from 26 Feb 2026)