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$41,166
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,446
−HK$1,301/mo
Today · 4.125%
HK$43,747
baseline
▲ 0.50% · 4.625%
HK$46,409
+HK$2,662/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$87,494/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,797
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,025
−HK$1,246/mo
Today · 4.125%
HK$48,271
baseline
▲ 0.50% · 4.625%
HK$50,815
+HK$2,544/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$96,542/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,399
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,936
−HK$1,561/mo
Today · 4.125%
HK$52,497
baseline
▲ 0.50% · 4.625%
HK$55,691
+HK$3,194/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$104,994/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$676,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,956
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,430
−HK$1,495/mo
Today · 4.125%
HK$57,925
baseline
▲ 0.50% · 4.625%
HK$60,978
+HK$3,053/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$115,850/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$676,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,632
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,425
−HK$1,821/mo
Today · 4.125%
HK$61,246
baseline
▲ 0.50% · 4.625%
HK$64,973
+HK$3,727/mo
Deposit HK$5.42M · loan HK$12.64M · min. income ≈ HK$122,492/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,115
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,835
−HK$1,744/mo
Today · 4.125%
HK$67,579
baseline
▲ 0.50% · 4.625%
HK$71,141
+HK$3,562/mo
Deposit HK$5.42M · loan HK$12.64M · min. income ≈ HK$135,158/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,098
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$76,403
−HK$2,342/mo
Today · 4.125%
HK$78,745
baseline
▲ 0.50% · 4.625%
HK$83,536
+HK$4,791/mo
Deposit HK$1.81M · loan HK$16.25M · min. income ≈ HK$157,490/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,993 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,434
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$84,645
−HK$2,242/mo
Today · 4.125%
HK$86,887
baseline
▲ 0.50% · 4.625%
HK$91,467
+HK$4,580/mo
Deposit HK$1.81M · loan HK$16.25M · min. income ≈ HK$173,774/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,993 · Scale 2, in force from 26 Feb 2026)