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$676,756 · 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$676,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,382
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,918
−HK$1,560/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$676,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,937
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$56,410
−HK$1,495/mo
Today · 4.125%
HK$57,905
baseline
▲ 0.50% · 4.625%
HK$60,957
+HK$3,052/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$115,810/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$676,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,612
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,404
−HK$1,821/mo
Today · 4.125%
HK$61,225
baseline
▲ 0.50% · 4.625%
HK$64,950
+HK$3,725/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$122,450/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,093
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,812
−HK$1,743/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$676,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,072
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$76,377
−HK$2,340/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$676,756 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,405
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$84,615
−HK$2,242/mo
Today · 4.125%
HK$86,857
baseline
▲ 0.50% · 4.625%
HK$91,435
+HK$4,578/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$173,714/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,756 · Scale 2, in force from 26 Feb 2026)