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$41,130
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,409
−HK$1,300/mo
Today · 4.125%
HK$43,709
baseline
▲ 0.50% · 4.625%
HK$46,369
+HK$2,660/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$87,418/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,757
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,984
−HK$1,245/mo
Today · 4.125%
HK$48,229
baseline
▲ 0.50% · 4.625%
HK$50,771
+HK$2,542/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$96,458/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,356
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$50,891
−HK$1,560/mo
Today · 4.125%
HK$52,451
baseline
▲ 0.50% · 4.625%
HK$55,642
+HK$3,191/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$104,902/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,908
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,381
−HK$1,493/mo
Today · 4.125%
HK$57,874
baseline
▲ 0.50% · 4.625%
HK$60,925
+HK$3,051/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$115,748/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,582
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$59,373
−HK$1,820/mo
Today · 4.125%
HK$61,193
baseline
▲ 0.50% · 4.625%
HK$64,916
+HK$3,723/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$122,386/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,059
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$65,777
−HK$1,743/mo
Today · 4.125%
HK$67,520
baseline
▲ 0.50% · 4.625%
HK$71,079
+HK$3,559/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$135,040/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,034
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$76,337
−HK$2,339/mo
Today · 4.125%
HK$78,676
baseline
▲ 0.50% · 4.625%
HK$83,464
+HK$4,788/mo
Deposit HK$1.80M · loan HK$16.23M · min. income ≈ HK$157,352/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,403 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,362
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$84,571
−HK$2,241/mo
Today · 4.125%
HK$86,812
baseline
▲ 0.50% · 4.625%
HK$91,388
+HK$4,576/mo
Deposit HK$1.80M · loan HK$16.23M · min. income ≈ HK$173,624/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,403 · Scale 2, in force from 26 Feb 2026)