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$41,216
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,498
−HK$1,302/mo
Today · 4.125%
HK$43,800
baseline
▲ 0.50% · 4.625%
HK$46,466
+HK$2,666/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$87,600/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$677,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,852
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,082
−HK$1,247/mo
Today · 4.125%
HK$48,329
baseline
▲ 0.50% · 4.625%
HK$50,877
+HK$2,548/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$96,658/mo (50% DSR)
Upfront cash ≈ HK$9.72M (deposit + AVD stamp duty HK$677,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,459
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$50,997
−HK$1,564/mo
Today · 4.125%
HK$52,561
baseline
▲ 0.50% · 4.625%
HK$55,759
+HK$3,198/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$105,122/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$677,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,023
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,498
−HK$1,497/mo
Today · 4.125%
HK$57,995
baseline
▲ 0.50% · 4.625%
HK$61,052
+HK$3,057/mo
Deposit HK$7.23M · loan HK$10.85M · min. income ≈ HK$115,990/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$677,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,702
−HK$3,619/mo
▼ 0.25% · 3.875%
HK$59,497
−HK$1,824/mo
Today · 4.125%
HK$61,321
baseline
▲ 0.50% · 4.625%
HK$65,052
+HK$3,731/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$122,642/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,193
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$65,915
−HK$1,746/mo
Today · 4.125%
HK$67,661
baseline
▲ 0.50% · 4.625%
HK$71,228
+HK$3,567/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$135,322/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,189
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$76,496
−HK$2,345/mo
Today · 4.125%
HK$78,841
baseline
▲ 0.50% · 4.625%
HK$83,638
+HK$4,797/mo
Deposit HK$1.81M · loan HK$16.27M · min. income ≈ HK$157,682/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$677,817 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,534
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$84,748
−HK$2,245/mo
Today · 4.125%
HK$86,993
baseline
▲ 0.50% · 4.625%
HK$91,579
+HK$4,586/mo
Deposit HK$1.81M · loan HK$16.27M · min. income ≈ HK$173,986/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$677,817 · Scale 2, in force from 26 Feb 2026)