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$41,116
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,395
−HK$1,299/mo
Today · 4.125%
HK$43,694
baseline
▲ 0.50% · 4.625%
HK$46,353
+HK$2,659/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$87,388/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$676,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,741
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,968
−HK$1,244/mo
Today · 4.125%
HK$48,212
baseline
▲ 0.50% · 4.625%
HK$50,753
+HK$2,541/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$96,424/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$676,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,339
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$50,874
−HK$1,559/mo
Today · 4.125%
HK$52,433
baseline
▲ 0.50% · 4.625%
HK$55,623
+HK$3,190/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$104,866/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,889
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,361
−HK$1,494/mo
Today · 4.125%
HK$57,855
baseline
▲ 0.50% · 4.625%
HK$60,904
+HK$3,049/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$115,710/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,562
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$59,353
−HK$1,819/mo
Today · 4.125%
HK$61,172
baseline
▲ 0.50% · 4.625%
HK$64,894
+HK$3,722/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$122,344/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,037
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,755
−HK$1,742/mo
Today · 4.125%
HK$67,497
baseline
▲ 0.50% · 4.625%
HK$71,055
+HK$3,558/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$134,994/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,008
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$76,310
−HK$2,339/mo
Today · 4.125%
HK$78,649
baseline
▲ 0.50% · 4.625%
HK$83,435
+HK$4,786/mo
Deposit HK$1.80M · loan HK$16.23M · min. income ≈ HK$157,298/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,171 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,334
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$84,542
−HK$2,240/mo
Today · 4.125%
HK$86,782
baseline
▲ 0.50% · 4.625%
HK$91,356
+HK$4,574/mo
Deposit HK$1.80M · loan HK$16.23M · min. income ≈ HK$173,564/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,171 · Scale 2, in force from 26 Feb 2026)