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$41,131
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,410
−HK$1,300/mo
Today · 4.125%
HK$43,710
baseline
▲ 0.50% · 4.625%
HK$46,370
+HK$2,660/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$87,420/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,758
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,985
−HK$1,245/mo
Today · 4.125%
HK$48,230
baseline
▲ 0.50% · 4.625%
HK$50,772
+HK$2,542/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$96,460/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,357
−HK$3,095/mo
▼ 0.25% · 3.875%
HK$50,892
−HK$1,560/mo
Today · 4.125%
HK$52,452
baseline
▲ 0.50% · 4.625%
HK$55,644
+HK$3,192/mo
Deposit HK$7.22M · loan HK$10.82M · min. income ≈ HK$104,904/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,909
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$56,382
−HK$1,494/mo
Today · 4.125%
HK$57,876
baseline
▲ 0.50% · 4.625%
HK$60,926
+HK$3,050/mo
Deposit HK$7.22M · loan HK$10.82M · min. income ≈ HK$115,752/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,583
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$59,374
−HK$1,820/mo
Today · 4.125%
HK$61,194
baseline
▲ 0.50% · 4.625%
HK$64,918
+HK$3,724/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$122,388/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,061
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$65,779
−HK$1,743/mo
Today · 4.125%
HK$67,522
baseline
▲ 0.50% · 4.625%
HK$71,081
+HK$3,559/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$135,044/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,035
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$76,338
−HK$2,340/mo
Today · 4.125%
HK$78,678
baseline
▲ 0.50% · 4.625%
HK$83,466
+HK$4,788/mo
Deposit HK$1.80M · loan HK$16.23M · min. income ≈ HK$157,356/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,418 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,364
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$84,573
−HK$2,241/mo
Today · 4.125%
HK$86,814
baseline
▲ 0.50% · 4.625%
HK$91,390
+HK$4,576/mo
Deposit HK$1.80M · loan HK$16.23M · min. income ≈ HK$173,628/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,418 · Scale 2, in force from 26 Feb 2026)