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$40,170
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,420
−HK$1,269/mo
Today · 4.125%
HK$42,689
baseline
▲ 0.50% · 4.625%
HK$45,287
+HK$2,598/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,378/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,689
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,887
−HK$1,216/mo
Today · 4.125%
HK$47,103
baseline
▲ 0.50% · 4.625%
HK$49,586
+HK$2,483/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$94,206/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,204
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$49,704
−HK$1,523/mo
Today · 4.125%
HK$51,227
baseline
▲ 0.50% · 4.625%
HK$54,344
+HK$3,117/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$102,454/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,627
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,065
−HK$1,459/mo
Today · 4.125%
HK$56,524
baseline
▲ 0.50% · 4.625%
HK$59,503
+HK$2,979/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$113,048/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,238
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$57,988
−HK$1,777/mo
Today · 4.125%
HK$59,765
baseline
▲ 0.50% · 4.625%
HK$63,401
+HK$3,636/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$119,530/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,564
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,242
−HK$1,703/mo
Today · 4.125%
HK$65,945
baseline
▲ 0.50% · 4.625%
HK$69,421
+HK$3,476/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$131,890/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,306
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,555
−HK$2,286/mo
Today · 4.125%
HK$76,841
baseline
▲ 0.50% · 4.625%
HK$81,516
+HK$4,675/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$153,682/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,619 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,440
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,597
−HK$2,189/mo
Today · 4.125%
HK$84,786
baseline
▲ 0.50% · 4.625%
HK$89,255
+HK$4,469/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$169,572/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,619 · Scale 2, in force from 26 Feb 2026)