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$41,192
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,473
−HK$1,302/mo
Today · 4.125%
HK$43,775
baseline
▲ 0.50% · 4.625%
HK$46,439
+HK$2,664/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$87,550/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,826
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,055
−HK$1,246/mo
Today · 4.125%
HK$48,301
baseline
▲ 0.50% · 4.625%
HK$50,847
+HK$2,546/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$96,602/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,430
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$50,968
−HK$1,562/mo
Today · 4.125%
HK$52,530
baseline
▲ 0.50% · 4.625%
HK$55,726
+HK$3,196/mo
Deposit HK$7.23M · loan HK$10.84M · min. income ≈ HK$105,060/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,991
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,465
−HK$1,497/mo
Today · 4.125%
HK$57,962
baseline
▲ 0.50% · 4.625%
HK$61,017
+HK$3,055/mo
Deposit HK$7.23M · loan HK$10.84M · min. income ≈ HK$115,924/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,669
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$59,462
−HK$1,823/mo
Today · 4.125%
HK$61,285
baseline
▲ 0.50% · 4.625%
HK$65,014
+HK$3,729/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$122,570/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,156
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,876
−HK$1,746/mo
Today · 4.125%
HK$67,622
baseline
▲ 0.50% · 4.625%
HK$71,186
+HK$3,564/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$135,244/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,145
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$76,452
−HK$2,343/mo
Today · 4.125%
HK$78,795
baseline
▲ 0.50% · 4.625%
HK$83,589
+HK$4,794/mo
Deposit HK$1.81M · loan HK$16.26M · min. income ≈ HK$157,590/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,422 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,486
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$84,698
−HK$2,244/mo
Today · 4.125%
HK$86,942
baseline
▲ 0.50% · 4.625%
HK$91,525
+HK$4,583/mo
Deposit HK$1.81M · loan HK$16.26M · min. income ≈ HK$173,884/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,422 · Scale 2, in force from 26 Feb 2026)