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$40,625
−HK$2,547/mo
▼ 0.25% · 3.875%
HK$41,888
−HK$1,284/mo
Today · 4.125%
HK$43,172
baseline
▲ 0.50% · 4.625%
HK$45,799
+HK$2,627/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$86,344/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,195
−HK$2,441/mo
▼ 0.25% · 3.875%
HK$46,407
−HK$1,229/mo
Today · 4.125%
HK$47,636
baseline
▲ 0.50% · 4.625%
HK$50,147
+HK$2,511/mo
Deposit HK$8.91M · loan HK$8.91M · min. income ≈ HK$95,272/mo (50% DSR)
Upfront cash ≈ HK$9.58M (deposit + AVD stamp duty HK$668,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,750
−HK$3,057/mo
▼ 0.25% · 3.875%
HK$50,266
−HK$1,541/mo
Today · 4.125%
HK$51,807
baseline
▲ 0.50% · 4.625%
HK$54,959
+HK$3,152/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$103,614/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$668,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,234
−HK$2,930/mo
▼ 0.25% · 3.875%
HK$55,688
−HK$1,476/mo
Today · 4.125%
HK$57,164
baseline
▲ 0.50% · 4.625%
HK$60,177
+HK$3,013/mo
Deposit HK$7.13M · loan HK$10.69M · min. income ≈ HK$114,328/mo (50% DSR)
Upfront cash ≈ HK$7.79M (deposit + AVD stamp duty HK$668,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,875
−HK$3,566/mo
▼ 0.25% · 3.875%
HK$58,644
−HK$1,797/mo
Today · 4.125%
HK$60,441
baseline
▲ 0.50% · 4.625%
HK$64,119
+HK$3,678/mo
Deposit HK$5.34M · loan HK$12.47M · min. income ≈ HK$120,882/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$668,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,272
−HK$3,419/mo
▼ 0.25% · 3.875%
HK$64,969
−HK$1,722/mo
Today · 4.125%
HK$66,691
baseline
▲ 0.50% · 4.625%
HK$70,206
+HK$3,515/mo
Deposit HK$5.34M · loan HK$12.47M · min. income ≈ HK$133,382/mo (50% DSR)
Upfront cash ≈ HK$6.01M (deposit + AVD stamp duty HK$668,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,125
−HK$4,585/mo
▼ 0.25% · 3.875%
HK$75,399
−HK$2,311/mo
Today · 4.125%
HK$77,710
baseline
▲ 0.50% · 4.625%
HK$82,439
+HK$4,729/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$155,420/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,096 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$81,350
−HK$4,395/mo
▼ 0.25% · 3.875%
HK$83,532
−HK$2,213/mo
Today · 4.125%
HK$85,745
baseline
▲ 0.50% · 4.625%
HK$90,265
+HK$4,520/mo
Deposit HK$1.78M · loan HK$16.03M · min. income ≈ HK$171,490/mo (50% DSR)
Upfront cash ≈ HK$2.45M (deposit + AVD stamp duty HK$668,096 · Scale 2, in force from 26 Feb 2026)