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$41,176
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,457
−HK$1,301/mo
Today · 4.125%
HK$43,758
baseline
▲ 0.50% · 4.625%
HK$46,420
+HK$2,662/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$87,516/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,808
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,036
−HK$1,246/mo
Today · 4.125%
HK$48,282
baseline
▲ 0.50% · 4.625%
HK$50,828
+HK$2,546/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$96,564/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,411
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,948
−HK$1,561/mo
Today · 4.125%
HK$52,509
baseline
▲ 0.50% · 4.625%
HK$55,705
+HK$3,196/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$105,018/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,969
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,443
−HK$1,496/mo
Today · 4.125%
HK$57,939
baseline
▲ 0.50% · 4.625%
HK$60,993
+HK$3,054/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$115,878/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,646
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,439
−HK$1,822/mo
Today · 4.125%
HK$61,261
baseline
▲ 0.50% · 4.625%
HK$64,989
+HK$3,728/mo
Deposit HK$5.42M · loan HK$12.64M · min. income ≈ HK$122,522/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$677,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,131
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,851
−HK$1,744/mo
Today · 4.125%
HK$67,595
baseline
▲ 0.50% · 4.625%
HK$71,159
+HK$3,564/mo
Deposit HK$5.42M · loan HK$12.64M · min. income ≈ HK$135,190/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$677,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,116
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$76,422
−HK$2,342/mo
Today · 4.125%
HK$78,764
baseline
▲ 0.50% · 4.625%
HK$83,557
+HK$4,793/mo
Deposit HK$1.81M · loan HK$16.25M · min. income ≈ HK$157,528/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,157 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,454
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$84,665
−HK$2,243/mo
Today · 4.125%
HK$86,908
baseline
▲ 0.50% · 4.625%
HK$91,490
+HK$4,582/mo
Deposit HK$1.81M · loan HK$16.25M · min. income ≈ HK$173,816/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,157 · Scale 2, in force from 26 Feb 2026)