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$41,125
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,405
−HK$1,299/mo
Today · 4.125%
HK$43,704
baseline
▲ 0.50% · 4.625%
HK$46,364
+HK$2,660/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$87,408/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$676,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,752
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,979
−HK$1,245/mo
Today · 4.125%
HK$48,224
baseline
▲ 0.50% · 4.625%
HK$50,765
+HK$2,541/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$96,448/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$676,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,351
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$50,886
−HK$1,559/mo
Today · 4.125%
HK$52,445
baseline
▲ 0.50% · 4.625%
HK$55,636
+HK$3,191/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$104,890/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,902
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,374
−HK$1,494/mo
Today · 4.125%
HK$57,868
baseline
▲ 0.50% · 4.625%
HK$60,919
+HK$3,051/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$115,736/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,576
−HK$3,610/mo
▼ 0.25% · 3.875%
HK$59,367
−HK$1,819/mo
Today · 4.125%
HK$61,186
baseline
▲ 0.50% · 4.625%
HK$64,909
+HK$3,723/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$122,372/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,052
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$65,770
−HK$1,743/mo
Today · 4.125%
HK$67,513
baseline
▲ 0.50% · 4.625%
HK$71,072
+HK$3,559/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$135,026/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,026
−HK$4,642/mo
▼ 0.25% · 3.875%
HK$76,329
−HK$2,339/mo
Today · 4.125%
HK$78,668
baseline
▲ 0.50% · 4.625%
HK$83,455
+HK$4,787/mo
Deposit HK$1.80M · loan HK$16.23M · min. income ≈ HK$157,336/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,353
−HK$4,449/mo
▼ 0.25% · 3.875%
HK$84,562
−HK$2,240/mo
Today · 4.125%
HK$86,802
baseline
▲ 0.50% · 4.625%
HK$91,378
+HK$4,576/mo
Deposit HK$1.80M · loan HK$16.23M · min. income ≈ HK$173,604/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,331 · Scale 2, in force from 26 Feb 2026)