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$41,168
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,449
−HK$1,301/mo
Today · 4.125%
HK$43,750
baseline
▲ 0.50% · 4.625%
HK$46,412
+HK$2,662/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$87,500/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$677,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,799
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,028
−HK$1,246/mo
Today · 4.125%
HK$48,274
baseline
▲ 0.50% · 4.625%
HK$50,818
+HK$2,544/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$96,548/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$677,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,402
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,939
−HK$1,561/mo
Today · 4.125%
HK$52,500
baseline
▲ 0.50% · 4.625%
HK$55,694
+HK$3,194/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$105,000/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,959
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,433
−HK$1,496/mo
Today · 4.125%
HK$57,929
baseline
▲ 0.50% · 4.625%
HK$60,982
+HK$3,053/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$115,858/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,636
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,429
−HK$1,821/mo
Today · 4.125%
HK$61,250
baseline
▲ 0.50% · 4.625%
HK$64,977
+HK$3,727/mo
Deposit HK$5.42M · loan HK$12.64M · min. income ≈ HK$122,500/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$677,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,119
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,839
−HK$1,744/mo
Today · 4.125%
HK$67,583
baseline
▲ 0.50% · 4.625%
HK$71,146
+HK$3,563/mo
Deposit HK$5.42M · loan HK$12.64M · min. income ≈ HK$135,166/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$677,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,103
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$76,408
−HK$2,342/mo
Today · 4.125%
HK$78,750
baseline
▲ 0.50% · 4.625%
HK$83,542
+HK$4,792/mo
Deposit HK$1.81M · loan HK$16.25M · min. income ≈ HK$157,500/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,036 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,439
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$84,650
−HK$2,243/mo
Today · 4.125%
HK$86,893
baseline
▲ 0.50% · 4.625%
HK$91,473
+HK$4,580/mo
Deposit HK$1.81M · loan HK$16.25M · min. income ≈ HK$173,786/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,036 · Scale 2, in force from 26 Feb 2026)