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$41,119
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,398
−HK$1,299/mo
Today · 4.125%
HK$43,697
baseline
▲ 0.50% · 4.625%
HK$46,356
+HK$2,659/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$87,394/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$676,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,744
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,971
−HK$1,244/mo
Today · 4.125%
HK$48,215
baseline
▲ 0.50% · 4.625%
HK$50,757
+HK$2,542/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$96,430/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$676,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,342
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$50,877
−HK$1,560/mo
Today · 4.125%
HK$52,437
baseline
▲ 0.50% · 4.625%
HK$55,627
+HK$3,190/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$104,874/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,893
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,365
−HK$1,494/mo
Today · 4.125%
HK$57,859
baseline
▲ 0.50% · 4.625%
HK$60,908
+HK$3,049/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$115,718/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,566
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$59,357
−HK$1,819/mo
Today · 4.125%
HK$61,176
baseline
▲ 0.50% · 4.625%
HK$64,898
+HK$3,722/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$122,352/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,042
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,759
−HK$1,743/mo
Today · 4.125%
HK$67,502
baseline
▲ 0.50% · 4.625%
HK$71,060
+HK$3,558/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$135,004/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,014
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$76,316
−HK$2,339/mo
Today · 4.125%
HK$78,655
baseline
▲ 0.50% · 4.625%
HK$83,441
+HK$4,786/mo
Deposit HK$1.80M · loan HK$16.23M · min. income ≈ HK$157,310/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,218 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,339
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$84,548
−HK$2,240/mo
Today · 4.125%
HK$86,788
baseline
▲ 0.50% · 4.625%
HK$91,363
+HK$4,575/mo
Deposit HK$1.80M · loan HK$16.23M · min. income ≈ HK$173,576/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,218 · Scale 2, in force from 26 Feb 2026)