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$40,180
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,430
−HK$1,270/mo
Today · 4.125%
HK$42,700
baseline
▲ 0.50% · 4.625%
HK$45,298
+HK$2,598/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,400/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,700
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,899
−HK$1,216/mo
Today · 4.125%
HK$47,115
baseline
▲ 0.50% · 4.625%
HK$49,598
+HK$2,483/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$94,230/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,216
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,716
−HK$1,524/mo
Today · 4.125%
HK$51,240
baseline
▲ 0.50% · 4.625%
HK$54,357
+HK$3,117/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$102,480/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,640
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,078
−HK$1,460/mo
Today · 4.125%
HK$56,538
baseline
▲ 0.50% · 4.625%
HK$59,518
+HK$2,980/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$113,076/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,252
−HK$3,528/mo
▼ 0.25% · 3.875%
HK$58,002
−HK$1,778/mo
Today · 4.125%
HK$59,780
baseline
▲ 0.50% · 4.625%
HK$63,417
+HK$3,637/mo
Deposit HK$5.29M · loan HK$12.33M · min. income ≈ HK$119,560/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,580
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,258
−HK$1,703/mo
Today · 4.125%
HK$65,961
baseline
▲ 0.50% · 4.625%
HK$69,438
+HK$3,477/mo
Deposit HK$5.29M · loan HK$12.33M · min. income ≈ HK$131,922/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,324
−HK$4,535/mo
▼ 0.25% · 3.875%
HK$74,574
−HK$2,285/mo
Today · 4.125%
HK$76,859
baseline
▲ 0.50% · 4.625%
HK$81,536
+HK$4,677/mo
Deposit HK$1.76M · loan HK$15.86M · min. income ≈ HK$153,718/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,782 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,460
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$82,618
−HK$2,189/mo
Today · 4.125%
HK$84,807
baseline
▲ 0.50% · 4.625%
HK$89,277
+HK$4,470/mo
Deposit HK$1.76M · loan HK$15.86M · min. income ≈ HK$169,614/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,782 · Scale 2, in force from 26 Feb 2026)