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$41,214
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,496
−HK$1,302/mo
Today · 4.125%
HK$43,798
baseline
▲ 0.50% · 4.625%
HK$46,463
+HK$2,665/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$87,596/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,850
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,080
−HK$1,247/mo
Today · 4.125%
HK$48,327
baseline
▲ 0.50% · 4.625%
HK$50,875
+HK$2,548/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$96,654/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,457
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,995
−HK$1,563/mo
Today · 4.125%
HK$52,558
baseline
▲ 0.50% · 4.625%
HK$55,756
+HK$3,198/mo
Deposit HK$7.23M · loan HK$10.84M · min. income ≈ HK$105,116/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$677,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,020
−HK$2,973/mo
▼ 0.25% · 3.875%
HK$56,496
−HK$1,497/mo
Today · 4.125%
HK$57,993
baseline
▲ 0.50% · 4.625%
HK$61,050
+HK$3,057/mo
Deposit HK$7.23M · loan HK$10.84M · min. income ≈ HK$115,986/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$677,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,700
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,494
−HK$1,824/mo
Today · 4.125%
HK$61,318
baseline
▲ 0.50% · 4.625%
HK$65,049
+HK$3,731/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$122,636/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,190
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$65,912
−HK$1,746/mo
Today · 4.125%
HK$67,658
baseline
▲ 0.50% · 4.625%
HK$71,225
+HK$3,567/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$135,316/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,185
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$76,493
−HK$2,344/mo
Today · 4.125%
HK$78,837
baseline
▲ 0.50% · 4.625%
HK$83,634
+HK$4,797/mo
Deposit HK$1.81M · loan HK$16.27M · min. income ≈ HK$157,674/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$677,785 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,530
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$84,744
−HK$2,245/mo
Today · 4.125%
HK$86,989
baseline
▲ 0.50% · 4.625%
HK$91,574
+HK$4,585/mo
Deposit HK$1.81M · loan HK$16.27M · min. income ≈ HK$173,978/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$677,785 · Scale 2, in force from 26 Feb 2026)