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$41,155
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,435
−HK$1,301/mo
Today · 4.125%
HK$43,736
baseline
▲ 0.50% · 4.625%
HK$46,397
+HK$2,661/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$87,472/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,785
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$47,012
−HK$1,246/mo
Today · 4.125%
HK$48,258
baseline
▲ 0.50% · 4.625%
HK$50,802
+HK$2,544/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$96,516/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,386
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$50,922
−HK$1,561/mo
Today · 4.125%
HK$52,483
baseline
▲ 0.50% · 4.625%
HK$55,676
+HK$3,193/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$104,966/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$676,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,941
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,415
−HK$1,495/mo
Today · 4.125%
HK$57,910
baseline
▲ 0.50% · 4.625%
HK$60,962
+HK$3,052/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$115,820/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$676,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,617
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,409
−HK$1,821/mo
Today · 4.125%
HK$61,230
baseline
▲ 0.50% · 4.625%
HK$64,956
+HK$3,726/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$122,460/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,098
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,817
−HK$1,744/mo
Today · 4.125%
HK$67,561
baseline
▲ 0.50% · 4.625%
HK$71,123
+HK$3,562/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$135,122/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,079
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$76,383
−HK$2,341/mo
Today · 4.125%
HK$78,724
baseline
▲ 0.50% · 4.625%
HK$83,515
+HK$4,791/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$157,448/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,815 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,412
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$84,622
−HK$2,243/mo
Today · 4.125%
HK$86,865
baseline
▲ 0.50% · 4.625%
HK$91,443
+HK$4,578/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$173,730/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,815 · Scale 2, in force from 26 Feb 2026)