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$42,484
−HK$1,302/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$677,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,837
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,067
−HK$1,247/mo
Today · 4.125%
HK$48,314
baseline
▲ 0.50% · 4.625%
HK$50,860
+HK$2,546/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$96,628/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,443
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$50,981
−HK$1,562/mo
Today · 4.125%
HK$52,543
baseline
▲ 0.50% · 4.625%
HK$55,741
+HK$3,198/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$677,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,005
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,480
−HK$1,496/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$677,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,683
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,478
−HK$1,823/mo
Today · 4.125%
HK$61,301
baseline
▲ 0.50% · 4.625%
HK$65,031
+HK$3,730/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$122,602/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,172
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,893
−HK$1,746/mo
Today · 4.125%
HK$67,639
baseline
▲ 0.50% · 4.625%
HK$71,205
+HK$3,566/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$135,278/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,164
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$76,471
−HK$2,344/mo
Today · 4.125%
HK$78,815
baseline
▲ 0.50% · 4.625%
HK$83,611
+HK$4,796/mo
Deposit HK$1.81M · loan HK$16.26M · min. income ≈ HK$157,630/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,507
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$84,720
−HK$2,245/mo
Today · 4.125%
HK$86,965
baseline
▲ 0.50% · 4.625%
HK$91,549
+HK$4,584/mo
Deposit HK$1.81M · loan HK$16.26M · min. income ≈ HK$173,930/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,595 · Scale 2, in force from 26 Feb 2026)