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$41,208
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,490
−HK$1,302/mo
Today · 4.125%
HK$43,792
baseline
▲ 0.50% · 4.625%
HK$46,457
+HK$2,665/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$87,584/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,844
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,073
−HK$1,247/mo
Today · 4.125%
HK$48,320
baseline
▲ 0.50% · 4.625%
HK$50,867
+HK$2,547/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$96,640/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,450
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,988
−HK$1,563/mo
Today · 4.125%
HK$52,551
baseline
▲ 0.50% · 4.625%
HK$55,748
+HK$3,197/mo
Deposit HK$7.23M · loan HK$10.84M · min. income ≈ HK$105,102/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$677,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,012
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,488
−HK$1,496/mo
Today · 4.125%
HK$57,984
baseline
▲ 0.50% · 4.625%
HK$61,041
+HK$3,057/mo
Deposit HK$7.23M · loan HK$10.84M · min. income ≈ HK$115,968/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$677,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,691
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,486
−HK$1,823/mo
Today · 4.125%
HK$61,309
baseline
▲ 0.50% · 4.625%
HK$65,040
+HK$3,731/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$122,618/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,181
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,902
−HK$1,746/mo
Today · 4.125%
HK$67,648
baseline
▲ 0.50% · 4.625%
HK$71,214
+HK$3,566/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$135,296/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,175
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$76,482
−HK$2,344/mo
Today · 4.125%
HK$78,826
baseline
▲ 0.50% · 4.625%
HK$83,622
+HK$4,796/mo
Deposit HK$1.81M · loan HK$16.26M · min. income ≈ HK$157,652/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,688 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,518
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$84,732
−HK$2,245/mo
Today · 4.125%
HK$86,977
baseline
▲ 0.50% · 4.625%
HK$91,561
+HK$4,584/mo
Deposit HK$1.81M · loan HK$16.26M · min. income ≈ HK$173,954/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,688 · Scale 2, in force from 26 Feb 2026)