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$41,141
−HK$2,580/mo
▼ 0.25% · 3.875%
HK$42,421
−HK$1,300/mo
Today · 4.125%
HK$43,721
baseline
▲ 0.50% · 4.625%
HK$46,381
+HK$2,660/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$87,442/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,769
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$46,996
−HK$1,246/mo
Today · 4.125%
HK$48,242
baseline
▲ 0.50% · 4.625%
HK$50,785
+HK$2,543/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$96,484/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,369
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,905
−HK$1,560/mo
Today · 4.125%
HK$52,465
baseline
▲ 0.50% · 4.625%
HK$55,657
+HK$3,192/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$104,930/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,923
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$56,396
−HK$1,494/mo
Today · 4.125%
HK$57,890
baseline
▲ 0.50% · 4.625%
HK$60,941
+HK$3,051/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$115,780/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,597
−HK$3,612/mo
▼ 0.25% · 3.875%
HK$59,389
−HK$1,820/mo
Today · 4.125%
HK$61,209
baseline
▲ 0.50% · 4.625%
HK$64,934
+HK$3,725/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$122,418/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,076
−HK$3,462/mo
▼ 0.25% · 3.875%
HK$65,795
−HK$1,743/mo
Today · 4.125%
HK$67,538
baseline
▲ 0.50% · 4.625%
HK$71,098
+HK$3,560/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$135,076/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,054
−HK$4,644/mo
▼ 0.25% · 3.875%
HK$76,357
−HK$2,341/mo
Today · 4.125%
HK$78,698
baseline
▲ 0.50% · 4.625%
HK$83,486
+HK$4,788/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$157,396/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,585 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,384
−HK$4,451/mo
▼ 0.25% · 3.875%
HK$84,594
−HK$2,241/mo
Today · 4.125%
HK$86,835
baseline
▲ 0.50% · 4.625%
HK$91,412
+HK$4,577/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$173,670/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,585 · Scale 2, in force from 26 Feb 2026)