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$40,186
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,436
−HK$1,270/mo
Today · 4.125%
HK$42,706
baseline
▲ 0.50% · 4.625%
HK$45,305
+HK$2,599/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,412/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,707
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,906
−HK$1,216/mo
Today · 4.125%
HK$47,122
baseline
▲ 0.50% · 4.625%
HK$49,606
+HK$2,484/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$94,244/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,224
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,724
−HK$1,524/mo
Today · 4.125%
HK$51,248
baseline
▲ 0.50% · 4.625%
HK$54,366
+HK$3,118/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$102,496/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,648
−HK$2,899/mo
▼ 0.25% · 3.875%
HK$55,087
−HK$1,460/mo
Today · 4.125%
HK$56,547
baseline
▲ 0.50% · 4.625%
HK$59,527
+HK$2,980/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$113,094/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,261
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$58,011
−HK$1,778/mo
Today · 4.125%
HK$59,789
baseline
▲ 0.50% · 4.625%
HK$63,427
+HK$3,638/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$119,578/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,590
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,268
−HK$1,703/mo
Today · 4.125%
HK$65,971
baseline
▲ 0.50% · 4.625%
HK$69,449
+HK$3,478/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$131,942/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,335
−HK$4,537/mo
▼ 0.25% · 3.875%
HK$74,586
−HK$2,286/mo
Today · 4.125%
HK$76,872
baseline
▲ 0.50% · 4.625%
HK$81,549
+HK$4,677/mo
Deposit HK$1.76M · loan HK$15.86M · min. income ≈ HK$153,744/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,886 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,472
−HK$4,348/mo
▼ 0.25% · 3.875%
HK$82,631
−HK$2,189/mo
Today · 4.125%
HK$84,820
baseline
▲ 0.50% · 4.625%
HK$89,291
+HK$4,471/mo
Deposit HK$1.76M · loan HK$15.86M · min. income ≈ HK$169,640/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,886 · Scale 2, in force from 26 Feb 2026)