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$41,150
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,430
−HK$1,300/mo
Today · 4.125%
HK$43,730
baseline
▲ 0.50% · 4.625%
HK$46,391
+HK$2,661/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$87,460/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,779
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$47,007
−HK$1,245/mo
Today · 4.125%
HK$48,252
baseline
▲ 0.50% · 4.625%
HK$50,796
+HK$2,544/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$96,504/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,380
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,916
−HK$1,560/mo
Today · 4.125%
HK$52,476
baseline
▲ 0.50% · 4.625%
HK$55,669
+HK$3,193/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$104,952/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$676,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,935
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$56,408
−HK$1,495/mo
Today · 4.125%
HK$57,903
baseline
▲ 0.50% · 4.625%
HK$60,955
+HK$3,052/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$115,806/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$676,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,610
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,402
−HK$1,820/mo
Today · 4.125%
HK$61,222
baseline
▲ 0.50% · 4.625%
HK$64,948
+HK$3,726/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$122,444/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,090
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,809
−HK$1,744/mo
Today · 4.125%
HK$67,553
baseline
▲ 0.50% · 4.625%
HK$71,114
+HK$3,561/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$135,106/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,070
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$76,374
−HK$2,341/mo
Today · 4.125%
HK$78,715
baseline
▲ 0.50% · 4.625%
HK$83,504
+HK$4,789/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$157,430/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,402
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$84,612
−HK$2,242/mo
Today · 4.125%
HK$86,854
baseline
▲ 0.50% · 4.625%
HK$91,432
+HK$4,578/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$173,708/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,732 · Scale 2, in force from 26 Feb 2026)