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$2,581/mo
▼ 0.25% · 3.875%
HK$42,427
−HK$1,301/mo
Today · 4.125%
HK$43,728
baseline
▲ 0.50% · 4.625%
HK$46,388
+HK$2,660/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$87,456/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,776
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$47,004
−HK$1,245/mo
Today · 4.125%
HK$48,249
baseline
▲ 0.50% · 4.625%
HK$50,793
+HK$2,544/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$96,498/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,377
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,913
−HK$1,560/mo
Today · 4.125%
HK$52,473
baseline
▲ 0.50% · 4.625%
HK$55,666
+HK$3,193/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$104,946/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,931
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$56,405
−HK$1,494/mo
Today · 4.125%
HK$57,899
baseline
▲ 0.50% · 4.625%
HK$60,951
+HK$3,052/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$115,798/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,606
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,398
−HK$1,821/mo
Today · 4.125%
HK$61,219
baseline
▲ 0.50% · 4.625%
HK$64,944
+HK$3,725/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$122,438/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,087
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,805
−HK$1,744/mo
Today · 4.125%
HK$67,549
baseline
▲ 0.50% · 4.625%
HK$71,110
+HK$3,561/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$135,098/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,065
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$76,369
−HK$2,341/mo
Today · 4.125%
HK$78,710
baseline
▲ 0.50% · 4.625%
HK$83,499
+HK$4,789/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$157,420/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,397
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$84,607
−HK$2,242/mo
Today · 4.125%
HK$86,849
baseline
▲ 0.50% · 4.625%
HK$91,427
+HK$4,578/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$173,698/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,691 · Scale 2, in force from 26 Feb 2026)