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$41,170
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,451
−HK$1,301/mo
Today · 4.125%
HK$43,752
baseline
▲ 0.50% · 4.625%
HK$46,414
+HK$2,662/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$87,504/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$677,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,802
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,030
−HK$1,246/mo
Today · 4.125%
HK$48,276
baseline
▲ 0.50% · 4.625%
HK$50,821
+HK$2,545/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$96,552/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$677,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,404
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,941
−HK$1,561/mo
Today · 4.125%
HK$52,502
baseline
▲ 0.50% · 4.625%
HK$55,697
+HK$3,195/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$105,004/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,962
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,436
−HK$1,495/mo
Today · 4.125%
HK$57,931
baseline
▲ 0.50% · 4.625%
HK$60,985
+HK$3,054/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$115,862/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,638
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,431
−HK$1,822/mo
Today · 4.125%
HK$61,253
baseline
▲ 0.50% · 4.625%
HK$64,980
+HK$3,727/mo
Deposit HK$5.42M · loan HK$12.64M · min. income ≈ HK$122,506/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$677,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,122
−HK$3,465/mo
▼ 0.25% · 3.875%
HK$65,842
−HK$1,745/mo
Today · 4.125%
HK$67,587
baseline
▲ 0.50% · 4.625%
HK$71,149
+HK$3,562/mo
Deposit HK$5.42M · loan HK$12.64M · min. income ≈ HK$135,174/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$677,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,107
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$76,412
−HK$2,342/mo
Today · 4.125%
HK$78,754
baseline
▲ 0.50% · 4.625%
HK$83,546
+HK$4,792/mo
Deposit HK$1.81M · loan HK$16.25M · min. income ≈ HK$157,508/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,068 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,443
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$84,654
−HK$2,243/mo
Today · 4.125%
HK$86,897
baseline
▲ 0.50% · 4.625%
HK$91,477
+HK$4,580/mo
Deposit HK$1.81M · loan HK$16.25M · min. income ≈ HK$173,794/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,068 · Scale 2, in force from 26 Feb 2026)