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$40,174
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,423
−HK$1,270/mo
Today · 4.125%
HK$42,693
baseline
▲ 0.50% · 4.625%
HK$45,291
+HK$2,598/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,386/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,693
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,892
−HK$1,216/mo
Today · 4.125%
HK$47,108
baseline
▲ 0.50% · 4.625%
HK$49,591
+HK$2,483/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$94,216/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,209
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$49,708
−HK$1,524/mo
Today · 4.125%
HK$51,232
baseline
▲ 0.50% · 4.625%
HK$54,349
+HK$3,117/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$102,464/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,632
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,070
−HK$1,459/mo
Today · 4.125%
HK$56,529
baseline
▲ 0.50% · 4.625%
HK$59,509
+HK$2,980/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$113,058/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,243
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$57,993
−HK$1,777/mo
Today · 4.125%
HK$59,770
baseline
▲ 0.50% · 4.625%
HK$63,407
+HK$3,637/mo
Deposit HK$5.29M · loan HK$12.33M · min. income ≈ HK$119,540/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,570
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,248
−HK$1,703/mo
Today · 4.125%
HK$65,951
baseline
▲ 0.50% · 4.625%
HK$69,427
+HK$3,476/mo
Deposit HK$5.29M · loan HK$12.33M · min. income ≈ HK$131,902/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,313
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,562
−HK$2,286/mo
Today · 4.125%
HK$76,848
baseline
▲ 0.50% · 4.625%
HK$81,524
+HK$4,676/mo
Deposit HK$1.76M · loan HK$15.86M · min. income ≈ HK$153,696/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,680 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,447
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$82,605
−HK$2,189/mo
Today · 4.125%
HK$84,794
baseline
▲ 0.50% · 4.625%
HK$89,263
+HK$4,469/mo
Deposit HK$1.76M · loan HK$15.86M · min. income ≈ HK$169,588/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,680 · Scale 2, in force from 26 Feb 2026)