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$40,171
−HK$2,519/mo
▼ 0.25% · 3.875%
HK$41,420
−HK$1,270/mo
Today · 4.125%
HK$42,690
baseline
▲ 0.50% · 4.625%
HK$45,287
+HK$2,597/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,380/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,690
−HK$2,414/mo
▼ 0.25% · 3.875%
HK$45,888
−HK$1,216/mo
Today · 4.125%
HK$47,104
baseline
▲ 0.50% · 4.625%
HK$49,587
+HK$2,483/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$94,208/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,205
−HK$3,023/mo
▼ 0.25% · 3.875%
HK$49,704
−HK$1,524/mo
Today · 4.125%
HK$51,228
baseline
▲ 0.50% · 4.625%
HK$54,345
+HK$3,117/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$102,456/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,628
−HK$2,897/mo
▼ 0.25% · 3.875%
HK$55,066
−HK$1,459/mo
Today · 4.125%
HK$56,525
baseline
▲ 0.50% · 4.625%
HK$59,504
+HK$2,979/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$113,050/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,239
−HK$3,527/mo
▼ 0.25% · 3.875%
HK$57,988
−HK$1,778/mo
Today · 4.125%
HK$59,766
baseline
▲ 0.50% · 4.625%
HK$63,402
+HK$3,636/mo
Deposit HK$5.29M · loan HK$12.33M · min. income ≈ HK$119,532/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,565
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,243
−HK$1,703/mo
Today · 4.125%
HK$65,946
baseline
▲ 0.50% · 4.625%
HK$69,422
+HK$3,476/mo
Deposit HK$5.29M · loan HK$12.33M · min. income ≈ HK$131,892/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,307
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,557
−HK$2,285/mo
Today · 4.125%
HK$76,842
baseline
▲ 0.50% · 4.625%
HK$81,517
+HK$4,675/mo
Deposit HK$1.76M · loan HK$15.86M · min. income ≈ HK$153,684/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,630 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,441
−HK$4,346/mo
▼ 0.25% · 3.875%
HK$82,599
−HK$2,188/mo
Today · 4.125%
HK$84,787
baseline
▲ 0.50% · 4.625%
HK$89,257
+HK$4,470/mo
Deposit HK$1.76M · loan HK$15.86M · min. income ≈ HK$169,574/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,630 · Scale 2, in force from 26 Feb 2026)