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$41,117
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,396
−HK$1,299/mo
Today · 4.125%
HK$43,695
baseline
▲ 0.50% · 4.625%
HK$46,354
+HK$2,659/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$87,390/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$676,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,742
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,969
−HK$1,245/mo
Today · 4.125%
HK$48,214
baseline
▲ 0.50% · 4.625%
HK$50,755
+HK$2,541/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$96,428/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$676,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,340
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$50,875
−HK$1,560/mo
Today · 4.125%
HK$52,435
baseline
▲ 0.50% · 4.625%
HK$55,625
+HK$3,190/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$104,870/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,891
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$56,363
−HK$1,493/mo
Today · 4.125%
HK$57,856
baseline
▲ 0.50% · 4.625%
HK$60,906
+HK$3,050/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$115,712/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,564
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$59,354
−HK$1,820/mo
Today · 4.125%
HK$61,174
baseline
▲ 0.50% · 4.625%
HK$64,896
+HK$3,722/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$122,348/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,039
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,757
−HK$1,742/mo
Today · 4.125%
HK$67,499
baseline
▲ 0.50% · 4.625%
HK$71,057
+HK$3,558/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$134,998/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,011
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$76,313
−HK$2,339/mo
Today · 4.125%
HK$78,652
baseline
▲ 0.50% · 4.625%
HK$83,438
+HK$4,786/mo
Deposit HK$1.80M · loan HK$16.23M · min. income ≈ HK$157,304/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,336
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$84,544
−HK$2,240/mo
Today · 4.125%
HK$86,784
baseline
▲ 0.50% · 4.625%
HK$91,359
+HK$4,575/mo
Deposit HK$1.80M · loan HK$16.23M · min. income ≈ HK$173,568/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,191 · Scale 2, in force from 26 Feb 2026)