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$41,137
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,416
−HK$1,300/mo
Today · 4.125%
HK$43,716
baseline
▲ 0.50% · 4.625%
HK$46,376
+HK$2,660/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$87,432/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,764
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$46,991
−HK$1,246/mo
Today · 4.125%
HK$48,237
baseline
▲ 0.50% · 4.625%
HK$50,779
+HK$2,542/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$96,474/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,364
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,899
−HK$1,561/mo
Today · 4.125%
HK$52,460
baseline
▲ 0.50% · 4.625%
HK$55,652
+HK$3,192/mo
Deposit HK$7.22M · loan HK$10.82M · min. income ≈ HK$104,920/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,917
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$56,390
−HK$1,494/mo
Today · 4.125%
HK$57,884
baseline
▲ 0.50% · 4.625%
HK$60,935
+HK$3,051/mo
Deposit HK$7.22M · loan HK$10.82M · min. income ≈ HK$115,768/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,591
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,383
−HK$1,820/mo
Today · 4.125%
HK$61,203
baseline
▲ 0.50% · 4.625%
HK$64,927
+HK$3,724/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$122,406/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,070
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$65,788
−HK$1,743/mo
Today · 4.125%
HK$67,531
baseline
▲ 0.50% · 4.625%
HK$71,091
+HK$3,560/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$135,062/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,046
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$76,349
−HK$2,340/mo
Today · 4.125%
HK$78,689
baseline
▲ 0.50% · 4.625%
HK$83,477
+HK$4,788/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$157,378/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,514 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,375
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$84,585
−HK$2,241/mo
Today · 4.125%
HK$86,826
baseline
▲ 0.50% · 4.625%
HK$91,403
+HK$4,577/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$173,652/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,514 · Scale 2, in force from 26 Feb 2026)