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$41,204
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,485
−HK$1,302/mo
Today · 4.125%
HK$43,787
baseline
▲ 0.50% · 4.625%
HK$46,452
+HK$2,665/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$87,574/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,839
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,068
−HK$1,247/mo
Today · 4.125%
HK$48,315
baseline
▲ 0.50% · 4.625%
HK$50,862
+HK$2,547/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$96,630/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,444
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,982
−HK$1,563/mo
Today · 4.125%
HK$52,545
baseline
▲ 0.50% · 4.625%
HK$55,742
+HK$3,197/mo
Deposit HK$7.23M · loan HK$10.84M · min. income ≈ HK$105,090/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$677,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,006
−HK$2,972/mo
▼ 0.25% · 3.875%
HK$56,482
−HK$1,496/mo
Today · 4.125%
HK$57,978
baseline
▲ 0.50% · 4.625%
HK$61,034
+HK$3,056/mo
Deposit HK$7.23M · loan HK$10.84M · min. income ≈ HK$115,956/mo (50% DSR)
Upfront cash ≈ HK$7.91M (deposit + AVD stamp duty HK$677,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,685
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$59,479
−HK$1,823/mo
Today · 4.125%
HK$61,302
baseline
▲ 0.50% · 4.625%
HK$65,032
+HK$3,730/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$122,604/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,174
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,895
−HK$1,746/mo
Today · 4.125%
HK$67,641
baseline
▲ 0.50% · 4.625%
HK$71,207
+HK$3,566/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$135,282/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,166
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$76,473
−HK$2,344/mo
Today · 4.125%
HK$78,817
baseline
▲ 0.50% · 4.625%
HK$83,613
+HK$4,796/mo
Deposit HK$1.81M · loan HK$16.26M · min. income ≈ HK$157,634/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,615 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,509
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$84,722
−HK$2,245/mo
Today · 4.125%
HK$86,967
baseline
▲ 0.50% · 4.625%
HK$91,551
+HK$4,584/mo
Deposit HK$1.81M · loan HK$16.26M · min. income ≈ HK$173,934/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,615 · Scale 2, in force from 26 Feb 2026)