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$41,111
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,390
−HK$1,299/mo
Today · 4.125%
HK$43,689
baseline
▲ 0.50% · 4.625%
HK$46,347
+HK$2,658/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,378/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$676,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,735
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,962
−HK$1,244/mo
Today · 4.125%
HK$48,206
baseline
▲ 0.50% · 4.625%
HK$50,747
+HK$2,541/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,412/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$676,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,333
−HK$3,094/mo
▼ 0.25% · 3.875%
HK$50,868
−HK$1,559/mo
Today · 4.125%
HK$52,427
baseline
▲ 0.50% · 4.625%
HK$55,617
+HK$3,190/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$104,854/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,882
−HK$2,966/mo
▼ 0.25% · 3.875%
HK$56,354
−HK$1,494/mo
Today · 4.125%
HK$57,848
baseline
▲ 0.50% · 4.625%
HK$60,897
+HK$3,049/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$115,696/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,555
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,345
−HK$1,819/mo
Today · 4.125%
HK$61,164
baseline
▲ 0.50% · 4.625%
HK$64,886
+HK$3,722/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$122,328/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$676,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,030
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,747
−HK$1,742/mo
Today · 4.125%
HK$67,489
baseline
▲ 0.50% · 4.625%
HK$71,046
+HK$3,557/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$134,978/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$676,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,000
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,301
−HK$2,339/mo
Today · 4.125%
HK$78,640
baseline
▲ 0.50% · 4.625%
HK$83,425
+HK$4,785/mo
Deposit HK$1.80M · loan HK$16.23M · min. income ≈ HK$157,280/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,090 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,324
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$84,532
−HK$2,239/mo
Today · 4.125%
HK$86,771
baseline
▲ 0.50% · 4.625%
HK$91,345
+HK$4,574/mo
Deposit HK$1.80M · loan HK$16.23M · min. income ≈ HK$173,542/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,090 · Scale 2, in force from 26 Feb 2026)