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$41,113
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,392
−HK$1,299/mo
Today · 4.125%
HK$43,691
baseline
▲ 0.50% · 4.625%
HK$46,350
+HK$2,659/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$87,382/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$676,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,738
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,965
−HK$1,244/mo
Today · 4.125%
HK$48,209
baseline
▲ 0.50% · 4.625%
HK$50,750
+HK$2,541/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$96,418/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$676,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,336
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,870
−HK$1,559/mo
Today · 4.125%
HK$52,429
baseline
▲ 0.50% · 4.625%
HK$55,620
+HK$3,191/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$104,858/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,885
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,357
−HK$1,494/mo
Today · 4.125%
HK$57,851
baseline
▲ 0.50% · 4.625%
HK$60,900
+HK$3,049/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$115,702/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,558
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$59,349
−HK$1,819/mo
Today · 4.125%
HK$61,168
baseline
▲ 0.50% · 4.625%
HK$64,890
+HK$3,722/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$122,336/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,033
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,750
−HK$1,743/mo
Today · 4.125%
HK$67,493
baseline
▲ 0.50% · 4.625%
HK$71,050
+HK$3,557/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$134,986/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,004
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,305
−HK$2,339/mo
Today · 4.125%
HK$78,644
baseline
▲ 0.50% · 4.625%
HK$83,430
+HK$4,786/mo
Deposit HK$1.80M · loan HK$16.23M · min. income ≈ HK$157,288/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,126 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,328
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$84,536
−HK$2,240/mo
Today · 4.125%
HK$86,776
baseline
▲ 0.50% · 4.625%
HK$91,350
+HK$4,574/mo
Deposit HK$1.80M · loan HK$16.23M · min. income ≈ HK$173,552/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,126 · Scale 2, in force from 26 Feb 2026)