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$41,225
−HK$2,585/mo
▼ 0.25% · 3.875%
HK$42,508
−HK$1,302/mo
Today · 4.125%
HK$43,810
baseline
▲ 0.50% · 4.625%
HK$46,476
+HK$2,666/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$87,620/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$677,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,863
−HK$2,478/mo
▼ 0.25% · 3.875%
HK$47,093
−HK$1,248/mo
Today · 4.125%
HK$48,341
baseline
▲ 0.50% · 4.625%
HK$50,889
+HK$2,548/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$96,682/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$677,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,470
−HK$3,103/mo
▼ 0.25% · 3.875%
HK$51,009
−HK$1,564/mo
Today · 4.125%
HK$52,573
baseline
▲ 0.50% · 4.625%
HK$55,771
+HK$3,198/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$105,146/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$677,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,035
−HK$2,974/mo
▼ 0.25% · 3.875%
HK$56,511
−HK$1,498/mo
Today · 4.125%
HK$58,009
baseline
▲ 0.50% · 4.625%
HK$61,066
+HK$3,057/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$116,018/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$677,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,715
−HK$3,620/mo
▼ 0.25% · 3.875%
HK$59,511
−HK$1,824/mo
Today · 4.125%
HK$61,335
baseline
▲ 0.50% · 4.625%
HK$65,067
+HK$3,732/mo
Deposit HK$5.42M · loan HK$12.66M · min. income ≈ HK$122,670/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,208
−HK$3,469/mo
▼ 0.25% · 3.875%
HK$65,930
−HK$1,747/mo
Today · 4.125%
HK$67,677
baseline
▲ 0.50% · 4.625%
HK$71,244
+HK$3,567/mo
Deposit HK$5.42M · loan HK$12.66M · min. income ≈ HK$135,354/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,205
−HK$4,654/mo
▼ 0.25% · 3.875%
HK$76,514
−HK$2,345/mo
Today · 4.125%
HK$78,859
baseline
▲ 0.50% · 4.625%
HK$83,657
+HK$4,798/mo
Deposit HK$1.81M · loan HK$16.27M · min. income ≈ HK$157,718/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$677,971 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,553
−HK$4,460/mo
▼ 0.25% · 3.875%
HK$84,767
−HK$2,246/mo
Today · 4.125%
HK$87,013
baseline
▲ 0.50% · 4.625%
HK$91,599
+HK$4,586/mo
Deposit HK$1.81M · loan HK$16.27M · min. income ≈ HK$174,026/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$677,971 · Scale 2, in force from 26 Feb 2026)