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$41,158
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,439
−HK$1,300/mo
Today · 4.125%
HK$43,739
baseline
▲ 0.50% · 4.625%
HK$46,401
+HK$2,662/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$87,478/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,788
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,016
−HK$1,246/mo
Today · 4.125%
HK$48,262
baseline
▲ 0.50% · 4.625%
HK$50,806
+HK$2,544/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$96,524/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,390
−HK$3,097/mo
▼ 0.25% · 3.875%
HK$50,926
−HK$1,561/mo
Today · 4.125%
HK$52,487
baseline
▲ 0.50% · 4.625%
HK$55,681
+HK$3,194/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$104,974/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$676,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,946
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$56,419
−HK$1,495/mo
Today · 4.125%
HK$57,914
baseline
▲ 0.50% · 4.625%
HK$60,967
+HK$3,053/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$115,828/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$676,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,622
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,414
−HK$1,821/mo
Today · 4.125%
HK$61,235
baseline
▲ 0.50% · 4.625%
HK$64,961
+HK$3,726/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$122,470/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,103
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,823
−HK$1,744/mo
Today · 4.125%
HK$67,567
baseline
▲ 0.50% · 4.625%
HK$71,128
+HK$3,561/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$135,134/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,085
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$76,389
−HK$2,342/mo
Today · 4.125%
HK$78,731
baseline
▲ 0.50% · 4.625%
HK$83,521
+HK$4,790/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$157,462/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,870 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,419
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$84,629
−HK$2,243/mo
Today · 4.125%
HK$86,872
baseline
▲ 0.50% · 4.625%
HK$91,451
+HK$4,579/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$173,744/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,870 · Scale 2, in force from 26 Feb 2026)