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$40,189
−HK$2,520/mo
▼ 0.25% · 3.875%
HK$41,439
−HK$1,270/mo
Today · 4.125%
HK$42,709
baseline
▲ 0.50% · 4.625%
HK$45,308
+HK$2,599/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$85,418/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$44,710
−HK$2,415/mo
▼ 0.25% · 3.875%
HK$45,909
−HK$1,216/mo
Today · 4.125%
HK$47,125
baseline
▲ 0.50% · 4.625%
HK$49,609
+HK$2,484/mo
Deposit HK$8.81M · loan HK$8.81M · min. income ≈ HK$94,250/mo (50% DSR)
Upfront cash ≈ HK$9.47M (deposit + AVD stamp duty HK$660,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$48,227
−HK$3,024/mo
▼ 0.25% · 3.875%
HK$49,727
−HK$1,524/mo
Today · 4.125%
HK$51,251
baseline
▲ 0.50% · 4.625%
HK$54,369
+HK$3,118/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$102,502/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$53,652
−HK$2,898/mo
▼ 0.25% · 3.875%
HK$55,091
−HK$1,459/mo
Today · 4.125%
HK$56,550
baseline
▲ 0.50% · 4.625%
HK$59,531
+HK$2,981/mo
Deposit HK$7.05M · loan HK$10.57M · min. income ≈ HK$113,100/mo (50% DSR)
Upfront cash ≈ HK$7.71M (deposit + AVD stamp duty HK$660,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$56,264
−HK$3,529/mo
▼ 0.25% · 3.875%
HK$58,015
−HK$1,778/mo
Today · 4.125%
HK$59,793
baseline
▲ 0.50% · 4.625%
HK$63,431
+HK$3,638/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$119,586/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$62,594
−HK$3,381/mo
▼ 0.25% · 3.875%
HK$64,272
−HK$1,703/mo
Today · 4.125%
HK$65,975
baseline
▲ 0.50% · 4.625%
HK$69,453
+HK$3,478/mo
Deposit HK$5.29M · loan HK$12.34M · min. income ≈ HK$131,950/mo (50% DSR)
Upfront cash ≈ HK$5.95M (deposit + AVD stamp duty HK$660,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$72,340
−HK$4,536/mo
▼ 0.25% · 3.875%
HK$74,590
−HK$2,286/mo
Today · 4.125%
HK$76,876
baseline
▲ 0.50% · 4.625%
HK$81,554
+HK$4,678/mo
Deposit HK$1.76M · loan HK$15.86M · min. income ≈ HK$153,752/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,927 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$80,478
−HK$4,347/mo
▼ 0.25% · 3.875%
HK$82,636
−HK$2,189/mo
Today · 4.125%
HK$84,825
baseline
▲ 0.50% · 4.625%
HK$89,297
+HK$4,472/mo
Deposit HK$1.76M · loan HK$15.86M · min. income ≈ HK$169,650/mo (50% DSR)
Upfront cash ≈ HK$2.42M (deposit + AVD stamp duty HK$660,927 · Scale 2, in force from 26 Feb 2026)