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$41,183
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,464
−HK$1,302/mo
Today · 4.125%
HK$43,766
baseline
▲ 0.50% · 4.625%
HK$46,429
+HK$2,663/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$87,532/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,816
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,045
−HK$1,246/mo
Today · 4.125%
HK$48,291
baseline
▲ 0.50% · 4.625%
HK$50,837
+HK$2,546/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$96,582/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,420
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,957
−HK$1,562/mo
Today · 4.125%
HK$52,519
baseline
▲ 0.50% · 4.625%
HK$55,714
+HK$3,195/mo
Deposit HK$7.22M · loan HK$10.84M · min. income ≈ HK$105,038/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,979
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,454
−HK$1,495/mo
Today · 4.125%
HK$57,949
baseline
▲ 0.50% · 4.625%
HK$61,004
+HK$3,055/mo
Deposit HK$7.22M · loan HK$10.84M · min. income ≈ HK$115,898/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,656
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$59,450
−HK$1,822/mo
Today · 4.125%
HK$61,272
baseline
▲ 0.50% · 4.625%
HK$65,000
+HK$3,728/mo
Deposit HK$5.42M · loan HK$12.64M · min. income ≈ HK$122,544/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,142
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,862
−HK$1,746/mo
Today · 4.125%
HK$67,608
baseline
▲ 0.50% · 4.625%
HK$71,171
+HK$3,563/mo
Deposit HK$5.42M · loan HK$12.64M · min. income ≈ HK$135,216/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,130
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$76,436
−HK$2,342/mo
Today · 4.125%
HK$78,778
baseline
▲ 0.50% · 4.625%
HK$83,572
+HK$4,794/mo
Deposit HK$1.81M · loan HK$16.25M · min. income ≈ HK$157,556/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,279 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,469
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$84,680
−HK$2,244/mo
Today · 4.125%
HK$86,924
baseline
▲ 0.50% · 4.625%
HK$91,506
+HK$4,582/mo
Deposit HK$1.81M · loan HK$16.25M · min. income ≈ HK$173,848/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,279 · Scale 2, in force from 26 Feb 2026)