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$41,175
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,456
−HK$1,301/mo
Today · 4.125%
HK$43,757
baseline
▲ 0.50% · 4.625%
HK$46,420
+HK$2,663/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$87,514/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,807
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,035
−HK$1,247/mo
Today · 4.125%
HK$48,282
baseline
▲ 0.50% · 4.625%
HK$50,827
+HK$2,545/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$96,564/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,410
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,947
−HK$1,562/mo
Today · 4.125%
HK$52,509
baseline
▲ 0.50% · 4.625%
HK$55,704
+HK$3,195/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$105,018/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,968
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,443
−HK$1,495/mo
Today · 4.125%
HK$57,938
baseline
▲ 0.50% · 4.625%
HK$60,992
+HK$3,054/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$115,876/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,645
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,438
−HK$1,822/mo
Today · 4.125%
HK$61,260
baseline
▲ 0.50% · 4.625%
HK$64,988
+HK$3,728/mo
Deposit HK$5.42M · loan HK$12.64M · min. income ≈ HK$122,520/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$677,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,130
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,850
−HK$1,744/mo
Today · 4.125%
HK$67,594
baseline
▲ 0.50% · 4.625%
HK$71,157
+HK$3,563/mo
Deposit HK$5.42M · loan HK$12.64M · min. income ≈ HK$135,188/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$677,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,115
−HK$4,648/mo
▼ 0.25% · 3.875%
HK$76,421
−HK$2,342/mo
Today · 4.125%
HK$78,763
baseline
▲ 0.50% · 4.625%
HK$83,555
+HK$4,792/mo
Deposit HK$1.81M · loan HK$16.25M · min. income ≈ HK$157,526/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,147 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,452
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$84,664
−HK$2,243/mo
Today · 4.125%
HK$86,907
baseline
▲ 0.50% · 4.625%
HK$91,488
+HK$4,581/mo
Deposit HK$1.81M · loan HK$16.25M · min. income ≈ HK$173,814/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,147 · Scale 2, in force from 26 Feb 2026)