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$41,201
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,482
−HK$1,302/mo
Today · 4.125%
HK$43,784
baseline
▲ 0.50% · 4.625%
HK$46,449
+HK$2,665/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$87,568/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,836
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,065
−HK$1,247/mo
Today · 4.125%
HK$48,312
baseline
▲ 0.50% · 4.625%
HK$50,858
+HK$2,546/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$96,624/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,441
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$50,979
−HK$1,562/mo
Today · 4.125%
HK$52,541
baseline
▲ 0.50% · 4.625%
HK$55,738
+HK$3,197/mo
Deposit HK$7.23M · loan HK$10.84M · min. income ≈ HK$105,082/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,003
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,478
−HK$1,496/mo
Today · 4.125%
HK$57,974
baseline
▲ 0.50% · 4.625%
HK$61,030
+HK$3,056/mo
Deposit HK$7.23M · loan HK$10.84M · min. income ≈ HK$115,948/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,681
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$59,475
−HK$1,823/mo
Today · 4.125%
HK$61,298
baseline
▲ 0.50% · 4.625%
HK$65,028
+HK$3,730/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$122,596/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,170
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,891
−HK$1,746/mo
Today · 4.125%
HK$67,637
baseline
▲ 0.50% · 4.625%
HK$71,202
+HK$3,565/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$135,274/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,162
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$76,468
−HK$2,344/mo
Today · 4.125%
HK$78,812
baseline
▲ 0.50% · 4.625%
HK$83,608
+HK$4,796/mo
Deposit HK$1.81M · loan HK$16.26M · min. income ≈ HK$157,624/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,570 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,504
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$84,717
−HK$2,244/mo
Today · 4.125%
HK$86,961
baseline
▲ 0.50% · 4.625%
HK$91,545
+HK$4,584/mo
Deposit HK$1.81M · loan HK$16.26M · min. income ≈ HK$173,922/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,570 · Scale 2, in force from 26 Feb 2026)