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$40,168
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,417
−HK$1,270/mo
Today · 4.125%
HK$42,687
baseline
▲ 0.50% · 4.625%
HK$45,284
+HK$2,597/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,374/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,686
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,885
−HK$1,216/mo
Today · 4.125%
HK$47,101
baseline
▲ 0.50% · 4.625%
HK$49,583
+HK$2,482/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$94,202/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,201
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$49,701
−HK$1,523/mo
Today · 4.125%
HK$51,224
baseline
▲ 0.50% · 4.625%
HK$54,341
+HK$3,117/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$102,448/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,624
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,062
−HK$1,459/mo
Today · 4.125%
HK$56,521
baseline
▲ 0.50% · 4.625%
HK$59,500
+HK$2,979/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$113,042/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,235
−HK$3,526/mo
▼ 0.25% · 3.875%
HK$57,984
−HK$1,777/mo
Today · 4.125%
HK$59,761
baseline
▲ 0.50% · 4.625%
HK$63,398
+HK$3,637/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$119,522/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,561
−HK$3,380/mo
▼ 0.25% · 3.875%
HK$64,239
−HK$1,702/mo
Today · 4.125%
HK$65,941
baseline
▲ 0.50% · 4.625%
HK$69,417
+HK$3,476/mo
Deposit HK$5.28M · loan HK$12.33M · min. income ≈ HK$131,882/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,302
−HK$4,534/mo
▼ 0.25% · 3.875%
HK$74,551
−HK$2,285/mo
Today · 4.125%
HK$76,836
baseline
▲ 0.50% · 4.625%
HK$81,511
+HK$4,675/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$153,672/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,582 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,435
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,593
−HK$2,188/mo
Today · 4.125%
HK$84,781
baseline
▲ 0.50% · 4.625%
HK$89,250
+HK$4,469/mo
Deposit HK$1.76M · loan HK$15.85M · min. income ≈ HK$169,562/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,582 · Scale 2, in force from 26 Feb 2026)