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$41,140
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,420
−HK$1,300/mo
Today · 4.125%
HK$43,720
baseline
▲ 0.50% · 4.625%
HK$46,380
+HK$2,660/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$87,440/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,768
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$46,996
−HK$1,245/mo
Today · 4.125%
HK$48,241
baseline
▲ 0.50% · 4.625%
HK$50,784
+HK$2,543/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$96,482/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,368
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,904
−HK$1,560/mo
Today · 4.125%
HK$52,464
baseline
▲ 0.50% · 4.625%
HK$55,657
+HK$3,193/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$104,928/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,922
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$56,395
−HK$1,494/mo
Today · 4.125%
HK$57,889
baseline
▲ 0.50% · 4.625%
HK$60,941
+HK$3,052/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$115,778/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,596
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,388
−HK$1,820/mo
Today · 4.125%
HK$61,208
baseline
▲ 0.50% · 4.625%
HK$64,933
+HK$3,725/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$122,416/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,076
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$65,794
−HK$1,743/mo
Today · 4.125%
HK$67,537
baseline
▲ 0.50% · 4.625%
HK$71,097
+HK$3,560/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$135,074/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,053
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$76,356
−HK$2,340/mo
Today · 4.125%
HK$78,696
baseline
▲ 0.50% · 4.625%
HK$83,485
+HK$4,789/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$157,392/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,575 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,383
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$84,592
−HK$2,242/mo
Today · 4.125%
HK$86,834
baseline
▲ 0.50% · 4.625%
HK$91,411
+HK$4,577/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$173,668/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,575 · Scale 2, in force from 26 Feb 2026)