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$41,199
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,480
−HK$1,302/mo
Today · 4.125%
HK$43,782
baseline
▲ 0.50% · 4.625%
HK$46,446
+HK$2,664/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$87,564/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,833
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,062
−HK$1,247/mo
Today · 4.125%
HK$48,309
baseline
▲ 0.50% · 4.625%
HK$50,856
+HK$2,547/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$96,618/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,439
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$50,976
−HK$1,563/mo
Today · 4.125%
HK$52,539
baseline
▲ 0.50% · 4.625%
HK$55,736
+HK$3,197/mo
Deposit HK$7.23M · loan HK$10.84M · min. income ≈ HK$105,078/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,000
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,475
−HK$1,496/mo
Today · 4.125%
HK$57,971
baseline
▲ 0.50% · 4.625%
HK$61,027
+HK$3,056/mo
Deposit HK$7.23M · loan HK$10.84M · min. income ≈ HK$115,942/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,678
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$59,472
−HK$1,823/mo
Today · 4.125%
HK$61,295
baseline
▲ 0.50% · 4.625%
HK$65,025
+HK$3,730/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$122,590/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,166
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,887
−HK$1,746/mo
Today · 4.125%
HK$67,633
baseline
▲ 0.50% · 4.625%
HK$71,198
+HK$3,565/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$135,266/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,158
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$76,464
−HK$2,344/mo
Today · 4.125%
HK$78,808
baseline
▲ 0.50% · 4.625%
HK$83,603
+HK$4,795/mo
Deposit HK$1.81M · loan HK$16.26M · min. income ≈ HK$157,616/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,535 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,500
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$84,712
−HK$2,245/mo
Today · 4.125%
HK$86,957
baseline
▲ 0.50% · 4.625%
HK$91,541
+HK$4,584/mo
Deposit HK$1.81M · loan HK$16.26M · min. income ≈ HK$173,914/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,535 · Scale 2, in force from 26 Feb 2026)