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$41,139
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,418
−HK$1,300/mo
Today · 4.125%
HK$43,718
baseline
▲ 0.50% · 4.625%
HK$46,378
+HK$2,660/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$87,436/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,766
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$46,994
−HK$1,245/mo
Today · 4.125%
HK$48,239
baseline
▲ 0.50% · 4.625%
HK$50,782
+HK$2,543/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$96,478/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,366
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,902
−HK$1,560/mo
Today · 4.125%
HK$52,462
baseline
▲ 0.50% · 4.625%
HK$55,654
+HK$3,192/mo
Deposit HK$7.22M · loan HK$10.82M · min. income ≈ HK$104,924/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,920
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$56,392
−HK$1,495/mo
Today · 4.125%
HK$57,887
baseline
▲ 0.50% · 4.625%
HK$60,938
+HK$3,051/mo
Deposit HK$7.22M · loan HK$10.82M · min. income ≈ HK$115,774/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,594
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,386
−HK$1,820/mo
Today · 4.125%
HK$61,206
baseline
▲ 0.50% · 4.625%
HK$64,930
+HK$3,724/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$122,412/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,073
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$65,791
−HK$1,743/mo
Today · 4.125%
HK$67,534
baseline
▲ 0.50% · 4.625%
HK$71,094
+HK$3,560/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$135,068/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,049
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$76,353
−HK$2,340/mo
Today · 4.125%
HK$78,693
baseline
▲ 0.50% · 4.625%
HK$83,481
+HK$4,788/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$157,386/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,546 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,379
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$84,589
−HK$2,241/mo
Today · 4.125%
HK$86,830
baseline
▲ 0.50% · 4.625%
HK$91,407
+HK$4,577/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$173,660/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,546 · Scale 2, in force from 26 Feb 2026)