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$41,114
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,393
−HK$1,300/mo
Today · 4.125%
HK$43,693
baseline
▲ 0.50% · 4.625%
HK$46,351
+HK$2,658/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$87,386/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$676,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,739
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,966
−HK$1,245/mo
Today · 4.125%
HK$48,211
baseline
▲ 0.50% · 4.625%
HK$50,752
+HK$2,541/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$96,422/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$676,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,337
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$50,872
−HK$1,559/mo
Today · 4.125%
HK$52,431
baseline
▲ 0.50% · 4.625%
HK$55,622
+HK$3,191/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$104,862/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,887
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,359
−HK$1,494/mo
Today · 4.125%
HK$57,853
baseline
▲ 0.50% · 4.625%
HK$60,902
+HK$3,049/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$115,706/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,560
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$59,351
−HK$1,819/mo
Today · 4.125%
HK$61,170
baseline
▲ 0.50% · 4.625%
HK$64,892
+HK$3,722/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$122,340/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,035
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,753
−HK$1,742/mo
Today · 4.125%
HK$67,495
baseline
▲ 0.50% · 4.625%
HK$71,053
+HK$3,558/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$134,990/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,006
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$76,308
−HK$2,339/mo
Today · 4.125%
HK$78,647
baseline
▲ 0.50% · 4.625%
HK$83,432
+HK$4,785/mo
Deposit HK$1.80M · loan HK$16.23M · min. income ≈ HK$157,294/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,149 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,331
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$84,539
−HK$2,240/mo
Today · 4.125%
HK$86,779
baseline
▲ 0.50% · 4.625%
HK$91,353
+HK$4,574/mo
Deposit HK$1.80M · loan HK$16.23M · min. income ≈ HK$173,558/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,149 · Scale 2, in force from 26 Feb 2026)