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$41,208
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,490
−HK$1,303/mo
Today · 4.125%
HK$43,793
baseline
▲ 0.50% · 4.625%
HK$46,457
+HK$2,664/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$87,586/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,844
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,073
−HK$1,248/mo
Today · 4.125%
HK$48,321
baseline
▲ 0.50% · 4.625%
HK$50,868
+HK$2,547/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$96,642/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,450
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,988
−HK$1,563/mo
Today · 4.125%
HK$52,551
baseline
▲ 0.50% · 4.625%
HK$55,749
+HK$3,198/mo
Deposit HK$7.23M · loan HK$10.84M · min. income ≈ HK$105,102/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$677,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,013
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,488
−HK$1,497/mo
Today · 4.125%
HK$57,985
baseline
▲ 0.50% · 4.625%
HK$61,041
+HK$3,056/mo
Deposit HK$7.23M · loan HK$10.84M · min. income ≈ HK$115,970/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$677,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,692
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,486
−HK$1,824/mo
Today · 4.125%
HK$61,310
baseline
▲ 0.50% · 4.625%
HK$65,040
+HK$3,730/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$122,620/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,182
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,903
−HK$1,746/mo
Today · 4.125%
HK$67,649
baseline
▲ 0.50% · 4.625%
HK$71,215
+HK$3,566/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$135,298/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,175
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$76,482
−HK$2,345/mo
Today · 4.125%
HK$78,827
baseline
▲ 0.50% · 4.625%
HK$83,623
+HK$4,796/mo
Deposit HK$1.81M · loan HK$16.26M · min. income ≈ HK$157,654/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,519
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$84,732
−HK$2,245/mo
Today · 4.125%
HK$86,977
baseline
▲ 0.50% · 4.625%
HK$91,562
+HK$4,585/mo
Deposit HK$1.81M · loan HK$16.26M · min. income ≈ HK$173,954/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,694 · Scale 2, in force from 26 Feb 2026)