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$41,193
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,474
−HK$1,302/mo
Today · 4.125%
HK$43,776
baseline
▲ 0.50% · 4.625%
HK$46,440
+HK$2,664/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$87,552/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,827
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,056
−HK$1,246/mo
Today · 4.125%
HK$48,302
baseline
▲ 0.50% · 4.625%
HK$50,848
+HK$2,546/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$96,604/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,431
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$50,969
−HK$1,562/mo
Today · 4.125%
HK$52,531
baseline
▲ 0.50% · 4.625%
HK$55,727
+HK$3,196/mo
Deposit HK$7.23M · loan HK$10.84M · min. income ≈ HK$105,062/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,992
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,467
−HK$1,496/mo
Today · 4.125%
HK$57,963
baseline
▲ 0.50% · 4.625%
HK$61,018
+HK$3,055/mo
Deposit HK$7.23M · loan HK$10.84M · min. income ≈ HK$115,926/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,670
−HK$3,616/mo
▼ 0.25% · 3.875%
HK$59,464
−HK$1,822/mo
Today · 4.125%
HK$61,286
baseline
▲ 0.50% · 4.625%
HK$65,015
+HK$3,729/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$122,572/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,157
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,878
−HK$1,745/mo
Today · 4.125%
HK$67,623
baseline
▲ 0.50% · 4.625%
HK$71,188
+HK$3,565/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$135,246/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,147
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$76,453
−HK$2,344/mo
Today · 4.125%
HK$78,797
baseline
▲ 0.50% · 4.625%
HK$83,591
+HK$4,794/mo
Deposit HK$1.81M · loan HK$16.26M · min. income ≈ HK$157,594/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,436 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,488
−HK$4,456/mo
▼ 0.25% · 3.875%
HK$84,700
−HK$2,244/mo
Today · 4.125%
HK$86,944
baseline
▲ 0.50% · 4.625%
HK$91,527
+HK$4,583/mo
Deposit HK$1.81M · loan HK$16.26M · min. income ≈ HK$173,888/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,436 · Scale 2, in force from 26 Feb 2026)