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$41,127
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,407
−HK$1,299/mo
Today · 4.125%
HK$43,706
baseline
▲ 0.50% · 4.625%
HK$46,366
+HK$2,660/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$87,412/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$676,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,754
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,981
−HK$1,245/mo
Today · 4.125%
HK$48,226
baseline
▲ 0.50% · 4.625%
HK$50,768
+HK$2,542/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$96,452/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$676,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,353
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$50,888
−HK$1,560/mo
Today · 4.125%
HK$52,448
baseline
▲ 0.50% · 4.625%
HK$55,639
+HK$3,191/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$104,896/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,905
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,377
−HK$1,494/mo
Today · 4.125%
HK$57,871
baseline
▲ 0.50% · 4.625%
HK$60,921
+HK$3,050/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$115,742/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,578
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$59,369
−HK$1,820/mo
Today · 4.125%
HK$61,189
baseline
▲ 0.50% · 4.625%
HK$64,912
+HK$3,723/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$122,378/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,055
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$65,773
−HK$1,743/mo
Today · 4.125%
HK$67,516
baseline
▲ 0.50% · 4.625%
HK$71,075
+HK$3,559/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$135,032/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,029
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$76,332
−HK$2,340/mo
Today · 4.125%
HK$78,672
baseline
▲ 0.50% · 4.625%
HK$83,459
+HK$4,787/mo
Deposit HK$1.80M · loan HK$16.23M · min. income ≈ HK$157,344/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,362 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,357
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$84,566
−HK$2,240/mo
Today · 4.125%
HK$86,806
baseline
▲ 0.50% · 4.625%
HK$91,382
+HK$4,576/mo
Deposit HK$1.80M · loan HK$16.23M · min. income ≈ HK$173,612/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,362 · Scale 2, in force from 26 Feb 2026)