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$41,156
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,436
−HK$1,300/mo
Today · 4.125%
HK$43,736
baseline
▲ 0.50% · 4.625%
HK$46,398
+HK$2,662/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$87,472/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,785
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,013
−HK$1,246/mo
Today · 4.125%
HK$48,259
baseline
▲ 0.50% · 4.625%
HK$50,803
+HK$2,544/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$96,518/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,387
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$50,923
−HK$1,561/mo
Today · 4.125%
HK$52,484
baseline
▲ 0.50% · 4.625%
HK$55,677
+HK$3,193/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$104,968/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$676,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,942
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,416
−HK$1,495/mo
Today · 4.125%
HK$57,911
baseline
▲ 0.50% · 4.625%
HK$60,963
+HK$3,052/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$115,822/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$676,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,618
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,410
−HK$1,821/mo
Today · 4.125%
HK$61,231
baseline
▲ 0.50% · 4.625%
HK$64,957
+HK$3,726/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$122,462/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,099
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,818
−HK$1,744/mo
Today · 4.125%
HK$67,562
baseline
▲ 0.50% · 4.625%
HK$71,124
+HK$3,562/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$135,124/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,080
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$76,384
−HK$2,342/mo
Today · 4.125%
HK$78,726
baseline
▲ 0.50% · 4.625%
HK$83,516
+HK$4,790/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$157,452/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,413
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$84,624
−HK$2,242/mo
Today · 4.125%
HK$86,866
baseline
▲ 0.50% · 4.625%
HK$91,445
+HK$4,579/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$173,732/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,826 · Scale 2, in force from 26 Feb 2026)