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$41,144
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,424
−HK$1,300/mo
Today · 4.125%
HK$43,724
baseline
▲ 0.50% · 4.625%
HK$46,385
+HK$2,661/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$87,448/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,772
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$47,000
−HK$1,245/mo
Today · 4.125%
HK$48,245
baseline
▲ 0.50% · 4.625%
HK$50,788
+HK$2,543/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$96,490/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,373
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,909
−HK$1,560/mo
Today · 4.125%
HK$52,469
baseline
▲ 0.50% · 4.625%
HK$55,662
+HK$3,193/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$104,938/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,927
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$56,400
−HK$1,494/mo
Today · 4.125%
HK$57,894
baseline
▲ 0.50% · 4.625%
HK$60,946
+HK$3,052/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$115,788/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,602
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,394
−HK$1,820/mo
Today · 4.125%
HK$61,214
baseline
▲ 0.50% · 4.625%
HK$64,939
+HK$3,725/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$122,428/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,081
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,800
−HK$1,744/mo
Today · 4.125%
HK$67,544
baseline
▲ 0.50% · 4.625%
HK$71,104
+HK$3,560/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$135,088/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,059
−HK$4,645/mo
▼ 0.25% · 3.875%
HK$76,363
−HK$2,341/mo
Today · 4.125%
HK$78,704
baseline
▲ 0.50% · 4.625%
HK$83,493
+HK$4,789/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$157,408/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,637 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,390
−HK$4,452/mo
▼ 0.25% · 3.875%
HK$84,600
−HK$2,242/mo
Today · 4.125%
HK$86,842
baseline
▲ 0.50% · 4.625%
HK$91,419
+HK$4,577/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$173,684/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,637 · Scale 2, in force from 26 Feb 2026)