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$40,188
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,438
−HK$1,270/mo
Today · 4.125%
HK$42,708
baseline
▲ 0.50% · 4.625%
HK$45,307
+HK$2,599/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,416/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,709
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,908
−HK$1,216/mo
Today · 4.125%
HK$47,124
baseline
▲ 0.50% · 4.625%
HK$49,608
+HK$2,484/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$94,248/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,225
−HK$3,025/mo
▼ 0.25% · 3.875%
HK$49,725
−HK$1,525/mo
Today · 4.125%
HK$51,250
baseline
▲ 0.50% · 4.625%
HK$54,368
+HK$3,118/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$102,500/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,650
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,089
−HK$1,460/mo
Today · 4.125%
HK$56,549
baseline
▲ 0.50% · 4.625%
HK$59,530
+HK$2,981/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$113,098/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,263
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$58,013
−HK$1,778/mo
Today · 4.125%
HK$59,791
baseline
▲ 0.50% · 4.625%
HK$63,429
+HK$3,638/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$119,582/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,592
−HK$3,382/mo
▼ 0.25% · 3.875%
HK$64,271
−HK$1,703/mo
Today · 4.125%
HK$65,974
baseline
▲ 0.50% · 4.625%
HK$69,451
+HK$3,477/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$131,948/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,338
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$74,588
−HK$2,286/mo
Today · 4.125%
HK$76,874
baseline
▲ 0.50% · 4.625%
HK$81,552
+HK$4,678/mo
Deposit HK$1.76M · loan HK$15.86M · min. income ≈ HK$153,748/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,475
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$82,634
−HK$2,189/mo
Today · 4.125%
HK$84,823
baseline
▲ 0.50% · 4.625%
HK$89,294
+HK$4,471/mo
Deposit HK$1.76M · loan HK$15.86M · min. income ≈ HK$169,646/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,910 · Scale 2, in force from 26 Feb 2026)