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$41,114
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,393
−HK$1,299/mo
Today · 4.125%
HK$43,692
baseline
▲ 0.50% · 4.625%
HK$46,351
+HK$2,659/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$87,384/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$676,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,739
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,966
−HK$1,244/mo
Today · 4.125%
HK$48,210
baseline
▲ 0.50% · 4.625%
HK$50,751
+HK$2,541/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$96,420/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$676,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,337
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$50,872
−HK$1,559/mo
Today · 4.125%
HK$52,431
baseline
▲ 0.50% · 4.625%
HK$55,621
+HK$3,190/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$104,862/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,887
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$56,359
−HK$1,493/mo
Today · 4.125%
HK$57,852
baseline
▲ 0.50% · 4.625%
HK$60,902
+HK$3,050/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$115,704/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,560
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,350
−HK$1,819/mo
Today · 4.125%
HK$61,169
baseline
▲ 0.50% · 4.625%
HK$64,891
+HK$3,722/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$122,338/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,035
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,752
−HK$1,742/mo
Today · 4.125%
HK$67,494
baseline
▲ 0.50% · 4.625%
HK$71,052
+HK$3,558/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$134,988/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,005
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$76,307
−HK$2,339/mo
Today · 4.125%
HK$78,646
baseline
▲ 0.50% · 4.625%
HK$83,432
+HK$4,786/mo
Deposit HK$1.80M · loan HK$16.23M · min. income ≈ HK$157,292/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,143 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,330
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$84,538
−HK$2,240/mo
Today · 4.125%
HK$86,778
baseline
▲ 0.50% · 4.625%
HK$91,352
+HK$4,574/mo
Deposit HK$1.80M · loan HK$16.23M · min. income ≈ HK$173,556/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,143 · Scale 2, in force from 26 Feb 2026)