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$41,186
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,468
−HK$1,301/mo
Today · 4.125%
HK$43,769
baseline
▲ 0.50% · 4.625%
HK$46,432
+HK$2,663/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$87,538/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,819
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,048
−HK$1,247/mo
Today · 4.125%
HK$48,295
baseline
▲ 0.50% · 4.625%
HK$50,841
+HK$2,546/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$96,590/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,424
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,961
−HK$1,562/mo
Today · 4.125%
HK$52,523
baseline
▲ 0.50% · 4.625%
HK$55,719
+HK$3,196/mo
Deposit HK$7.22M · loan HK$10.84M · min. income ≈ HK$105,046/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,983
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,458
−HK$1,496/mo
Today · 4.125%
HK$57,954
baseline
▲ 0.50% · 4.625%
HK$61,009
+HK$3,055/mo
Deposit HK$7.22M · loan HK$10.84M · min. income ≈ HK$115,908/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,661
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$59,455
−HK$1,822/mo
Today · 4.125%
HK$61,277
baseline
▲ 0.50% · 4.625%
HK$65,005
+HK$3,728/mo
Deposit HK$5.42M · loan HK$12.64M · min. income ≈ HK$122,554/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,147
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,868
−HK$1,745/mo
Today · 4.125%
HK$67,613
baseline
▲ 0.50% · 4.625%
HK$71,177
+HK$3,564/mo
Deposit HK$5.42M · loan HK$12.64M · min. income ≈ HK$135,226/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,136
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$76,442
−HK$2,343/mo
Today · 4.125%
HK$78,785
baseline
▲ 0.50% · 4.625%
HK$83,578
+HK$4,793/mo
Deposit HK$1.81M · loan HK$16.26M · min. income ≈ HK$157,570/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,333 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,475
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$84,687
−HK$2,244/mo
Today · 4.125%
HK$86,931
baseline
▲ 0.50% · 4.625%
HK$91,513
+HK$4,582/mo
Deposit HK$1.81M · loan HK$16.26M · min. income ≈ HK$173,862/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,333 · Scale 2, in force from 26 Feb 2026)