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$41,202
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,483
−HK$1,303/mo
Today · 4.125%
HK$43,786
baseline
▲ 0.50% · 4.625%
HK$46,450
+HK$2,664/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$87,572/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,837
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,066
−HK$1,247/mo
Today · 4.125%
HK$48,313
baseline
▲ 0.50% · 4.625%
HK$50,860
+HK$2,547/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$96,626/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,442
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,980
−HK$1,563/mo
Today · 4.125%
HK$52,543
baseline
▲ 0.50% · 4.625%
HK$55,740
+HK$3,197/mo
Deposit HK$7.23M · loan HK$10.84M · min. income ≈ HK$105,086/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$677,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,004
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,479
−HK$1,497/mo
Today · 4.125%
HK$57,976
baseline
▲ 0.50% · 4.625%
HK$61,032
+HK$3,056/mo
Deposit HK$7.23M · loan HK$10.84M · min. income ≈ HK$115,952/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$677,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,683
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$59,477
−HK$1,823/mo
Today · 4.125%
HK$61,300
baseline
▲ 0.50% · 4.625%
HK$65,030
+HK$3,730/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$122,600/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,171
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,892
−HK$1,746/mo
Today · 4.125%
HK$67,638
baseline
▲ 0.50% · 4.625%
HK$71,204
+HK$3,566/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$135,276/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,163
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$76,470
−HK$2,344/mo
Today · 4.125%
HK$78,814
baseline
▲ 0.50% · 4.625%
HK$83,610
+HK$4,796/mo
Deposit HK$1.81M · loan HK$16.26M · min. income ≈ HK$157,628/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,586 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,506
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$84,719
−HK$2,245/mo
Today · 4.125%
HK$86,964
baseline
▲ 0.50% · 4.625%
HK$91,547
+HK$4,583/mo
Deposit HK$1.81M · loan HK$16.26M · min. income ≈ HK$173,928/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,586 · Scale 2, in force from 26 Feb 2026)