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$41,112
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,390
−HK$1,300/mo
Today · 4.125%
HK$43,690
baseline
▲ 0.50% · 4.625%
HK$46,348
+HK$2,658/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,380/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$676,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,736
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,963
−HK$1,244/mo
Today · 4.125%
HK$48,207
baseline
▲ 0.50% · 4.625%
HK$50,748
+HK$2,541/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,414/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$676,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,334
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$50,868
−HK$1,560/mo
Today · 4.125%
HK$52,428
baseline
▲ 0.50% · 4.625%
HK$55,618
+HK$3,190/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$104,856/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,883
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,355
−HK$1,494/mo
Today · 4.125%
HK$57,849
baseline
▲ 0.50% · 4.625%
HK$60,898
+HK$3,049/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$115,698/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,556
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,346
−HK$1,819/mo
Today · 4.125%
HK$61,165
baseline
▲ 0.50% · 4.625%
HK$64,887
+HK$3,722/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$122,330/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$676,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,031
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,748
−HK$1,742/mo
Today · 4.125%
HK$67,490
baseline
▲ 0.50% · 4.625%
HK$71,047
+HK$3,557/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$134,980/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$676,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,001
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,303
−HK$2,338/mo
Today · 4.125%
HK$78,641
baseline
▲ 0.50% · 4.625%
HK$83,426
+HK$4,785/mo
Deposit HK$1.80M · loan HK$16.23M · min. income ≈ HK$157,282/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,325
−HK$4,448/mo
▼ 0.25% · 3.875%
HK$84,533
−HK$2,240/mo
Today · 4.125%
HK$86,773
baseline
▲ 0.50% · 4.625%
HK$91,347
+HK$4,574/mo
Deposit HK$1.80M · loan HK$16.23M · min. income ≈ HK$173,546/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,101 · Scale 2, in force from 26 Feb 2026)