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$41,132
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,411
−HK$1,300/mo
Today · 4.125%
HK$43,711
baseline
▲ 0.50% · 4.625%
HK$46,371
+HK$2,660/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$87,422/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,759
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,986
−HK$1,245/mo
Today · 4.125%
HK$48,231
baseline
▲ 0.50% · 4.625%
HK$50,773
+HK$2,542/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$96,462/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,358
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,894
−HK$1,560/mo
Today · 4.125%
HK$52,454
baseline
▲ 0.50% · 4.625%
HK$55,645
+HK$3,191/mo
Deposit HK$7.22M · loan HK$10.82M · min. income ≈ HK$104,908/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,911
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,383
−HK$1,494/mo
Today · 4.125%
HK$57,877
baseline
▲ 0.50% · 4.625%
HK$60,928
+HK$3,051/mo
Deposit HK$7.22M · loan HK$10.82M · min. income ≈ HK$115,754/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,585
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$59,376
−HK$1,820/mo
Today · 4.125%
HK$61,196
baseline
▲ 0.50% · 4.625%
HK$64,919
+HK$3,723/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$122,392/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,062
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,781
−HK$1,743/mo
Today · 4.125%
HK$67,524
baseline
▲ 0.50% · 4.625%
HK$71,083
+HK$3,559/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$135,048/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,037
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$76,340
−HK$2,340/mo
Today · 4.125%
HK$78,680
baseline
▲ 0.50% · 4.625%
HK$83,468
+HK$4,788/mo
Deposit HK$1.80M · loan HK$16.23M · min. income ≈ HK$157,360/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,437 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,366
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$84,575
−HK$2,241/mo
Today · 4.125%
HK$86,816
baseline
▲ 0.50% · 4.625%
HK$91,392
+HK$4,576/mo
Deposit HK$1.80M · loan HK$16.23M · min. income ≈ HK$173,632/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,437 · Scale 2, in force from 26 Feb 2026)