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$41,182
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,463
−HK$1,301/mo
Today · 4.125%
HK$43,764
baseline
▲ 0.50% · 4.625%
HK$46,427
+HK$2,663/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$87,528/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,814
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,043
−HK$1,247/mo
Today · 4.125%
HK$48,290
baseline
▲ 0.50% · 4.625%
HK$50,835
+HK$2,545/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$96,580/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,418
−HK$3,099/mo
▼ 0.25% · 3.875%
HK$50,955
−HK$1,562/mo
Today · 4.125%
HK$52,517
baseline
▲ 0.50% · 4.625%
HK$55,713
+HK$3,196/mo
Deposit HK$7.22M · loan HK$10.84M · min. income ≈ HK$105,034/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,977
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,452
−HK$1,496/mo
Today · 4.125%
HK$57,948
baseline
▲ 0.50% · 4.625%
HK$61,002
+HK$3,054/mo
Deposit HK$7.22M · loan HK$10.84M · min. income ≈ HK$115,896/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,655
−HK$3,615/mo
▼ 0.25% · 3.875%
HK$59,448
−HK$1,822/mo
Today · 4.125%
HK$61,270
baseline
▲ 0.50% · 4.625%
HK$64,998
+HK$3,728/mo
Deposit HK$5.42M · loan HK$12.64M · min. income ≈ HK$122,540/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,140
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,860
−HK$1,746/mo
Today · 4.125%
HK$67,606
baseline
▲ 0.50% · 4.625%
HK$71,169
+HK$3,563/mo
Deposit HK$5.42M · loan HK$12.64M · min. income ≈ HK$135,212/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,127
−HK$4,649/mo
▼ 0.25% · 3.875%
HK$76,433
−HK$2,343/mo
Today · 4.125%
HK$78,776
baseline
▲ 0.50% · 4.625%
HK$83,569
+HK$4,793/mo
Deposit HK$1.81M · loan HK$16.25M · min. income ≈ HK$157,552/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,259 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,466
−HK$4,455/mo
▼ 0.25% · 3.875%
HK$84,678
−HK$2,243/mo
Today · 4.125%
HK$86,921
baseline
▲ 0.50% · 4.625%
HK$91,503
+HK$4,582/mo
Deposit HK$1.81M · loan HK$16.25M · min. income ≈ HK$173,842/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,259 · Scale 2, in force from 26 Feb 2026)