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$41,118
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,397
−HK$1,300/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$676,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,744
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,970
−HK$1,245/mo
Today · 4.125%
HK$48,215
baseline
▲ 0.50% · 4.625%
HK$50,756
+HK$2,541/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$676,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,342
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$50,877
−HK$1,559/mo
Today · 4.125%
HK$52,436
baseline
▲ 0.50% · 4.625%
HK$55,627
+HK$3,191/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$104,872/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,892
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,365
−HK$1,493/mo
Today · 4.125%
HK$57,858
baseline
▲ 0.50% · 4.625%
HK$60,908
+HK$3,050/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$115,716/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,566
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,356
−HK$1,819/mo
Today · 4.125%
HK$61,175
baseline
▲ 0.50% · 4.625%
HK$64,898
+HK$3,723/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$122,350/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,041
−HK$3,460/mo
▼ 0.25% · 3.875%
HK$65,759
−HK$1,742/mo
Today · 4.125%
HK$67,501
baseline
▲ 0.50% · 4.625%
HK$71,059
+HK$3,558/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$135,002/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,013
−HK$4,641/mo
▼ 0.25% · 3.875%
HK$76,315
−HK$2,339/mo
Today · 4.125%
HK$78,654
baseline
▲ 0.50% · 4.625%
HK$83,440
+HK$4,786/mo
Deposit HK$1.80M · loan HK$16.23M · min. income ≈ HK$157,308/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,211 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,339
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$84,547
−HK$2,240/mo
Today · 4.125%
HK$86,787
baseline
▲ 0.50% · 4.625%
HK$91,362
+HK$4,575/mo
Deposit HK$1.80M · loan HK$16.23M · min. income ≈ HK$173,574/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,211 · Scale 2, in force from 26 Feb 2026)