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$41,213
−HK$2,584/mo
▼ 0.25% · 3.875%
HK$42,495
−HK$1,302/mo
Today · 4.125%
HK$43,797
baseline
▲ 0.50% · 4.625%
HK$46,462
+HK$2,665/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$87,594/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,849
−HK$2,477/mo
▼ 0.25% · 3.875%
HK$47,078
−HK$1,248/mo
Today · 4.125%
HK$48,326
baseline
▲ 0.50% · 4.625%
HK$50,873
+HK$2,547/mo
Deposit HK$9.04M · loan HK$9.04M · min. income ≈ HK$96,652/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,455
−HK$3,102/mo
▼ 0.25% · 3.875%
HK$50,994
−HK$1,563/mo
Today · 4.125%
HK$52,557
baseline
▲ 0.50% · 4.625%
HK$55,755
+HK$3,198/mo
Deposit HK$7.23M · loan HK$10.84M · min. income ≈ HK$105,114/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$677,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,019
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,494
−HK$1,497/mo
Today · 4.125%
HK$57,991
baseline
▲ 0.50% · 4.625%
HK$61,048
+HK$3,057/mo
Deposit HK$7.23M · loan HK$10.84M · min. income ≈ HK$115,982/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$677,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,698
−HK$3,618/mo
▼ 0.25% · 3.875%
HK$59,493
−HK$1,823/mo
Today · 4.125%
HK$61,316
baseline
▲ 0.50% · 4.625%
HK$65,047
+HK$3,731/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$122,632/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,188
−HK$3,468/mo
▼ 0.25% · 3.875%
HK$65,910
−HK$1,746/mo
Today · 4.125%
HK$67,656
baseline
▲ 0.50% · 4.625%
HK$71,223
+HK$3,567/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$135,312/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,183
−HK$4,652/mo
▼ 0.25% · 3.875%
HK$76,491
−HK$2,344/mo
Today · 4.125%
HK$78,835
baseline
▲ 0.50% · 4.625%
HK$83,632
+HK$4,797/mo
Deposit HK$1.81M · loan HK$16.27M · min. income ≈ HK$157,670/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$677,766 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,528
−HK$4,459/mo
▼ 0.25% · 3.875%
HK$84,741
−HK$2,246/mo
Today · 4.125%
HK$86,987
baseline
▲ 0.50% · 4.625%
HK$91,572
+HK$4,585/mo
Deposit HK$1.81M · loan HK$16.27M · min. income ≈ HK$173,974/mo (50% DSR)
Upfront cash ≈ HK$2.49M (deposit + AVD stamp duty HK$677,766 · Scale 2, in force from 26 Feb 2026)