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$41,151
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,431
−HK$1,301/mo
Today · 4.125%
HK$43,732
baseline
▲ 0.50% · 4.625%
HK$46,393
+HK$2,661/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$87,464/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,780
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,008
−HK$1,246/mo
Today · 4.125%
HK$48,254
baseline
▲ 0.50% · 4.625%
HK$50,797
+HK$2,543/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$96,508/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,381
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$50,917
−HK$1,561/mo
Today · 4.125%
HK$52,478
baseline
▲ 0.50% · 4.625%
HK$55,671
+HK$3,193/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$104,956/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$676,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,936
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$56,410
−HK$1,494/mo
Today · 4.125%
HK$57,904
baseline
▲ 0.50% · 4.625%
HK$60,956
+HK$3,052/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$115,808/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$676,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,611
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,404
−HK$1,820/mo
Today · 4.125%
HK$61,224
baseline
▲ 0.50% · 4.625%
HK$64,950
+HK$3,726/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$122,448/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,092
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,811
−HK$1,744/mo
Today · 4.125%
HK$67,555
baseline
▲ 0.50% · 4.625%
HK$71,116
+HK$3,561/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$135,110/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,072
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$76,376
−HK$2,341/mo
Today · 4.125%
HK$78,717
baseline
▲ 0.50% · 4.625%
HK$83,507
+HK$4,790/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$157,434/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,751 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,404
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$84,614
−HK$2,242/mo
Today · 4.125%
HK$86,856
baseline
▲ 0.50% · 4.625%
HK$91,435
+HK$4,579/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$173,712/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,751 · Scale 2, in force from 26 Feb 2026)