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$41,147
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,427
−HK$1,300/mo
Today · 4.125%
HK$43,727
baseline
▲ 0.50% · 4.625%
HK$46,388
+HK$2,661/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$87,454/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,775
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$47,003
−HK$1,245/mo
Today · 4.125%
HK$48,248
baseline
▲ 0.50% · 4.625%
HK$50,792
+HK$2,544/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$96,496/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,376
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,912
−HK$1,560/mo
Today · 4.125%
HK$52,472
baseline
▲ 0.50% · 4.625%
HK$55,665
+HK$3,193/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$104,944/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,930
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$56,403
−HK$1,495/mo
Today · 4.125%
HK$57,898
baseline
▲ 0.50% · 4.625%
HK$60,950
+HK$3,052/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$115,796/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,605
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,397
−HK$1,821/mo
Today · 4.125%
HK$61,218
baseline
▲ 0.50% · 4.625%
HK$64,943
+HK$3,725/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$122,436/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,085
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,804
−HK$1,744/mo
Today · 4.125%
HK$67,548
baseline
▲ 0.50% · 4.625%
HK$71,108
+HK$3,560/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$135,096/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,064
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$76,368
−HK$2,340/mo
Today · 4.125%
HK$78,708
baseline
▲ 0.50% · 4.625%
HK$83,498
+HK$4,790/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$157,416/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,395
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$84,605
−HK$2,242/mo
Today · 4.125%
HK$86,847
baseline
▲ 0.50% · 4.625%
HK$91,425
+HK$4,578/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$173,694/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,679 · Scale 2, in force from 26 Feb 2026)