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$41,167
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,448
−HK$1,301/mo
Today · 4.125%
HK$43,749
baseline
▲ 0.50% · 4.625%
HK$46,411
+HK$2,662/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$87,498/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$677,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,798
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,026
−HK$1,246/mo
Today · 4.125%
HK$48,272
baseline
▲ 0.50% · 4.625%
HK$50,817
+HK$2,545/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$96,544/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$677,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,401
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,937
−HK$1,562/mo
Today · 4.125%
HK$52,499
baseline
▲ 0.50% · 4.625%
HK$55,693
+HK$3,194/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$104,998/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,958
−HK$2,969/mo
▼ 0.25% · 3.875%
HK$56,432
−HK$1,495/mo
Today · 4.125%
HK$57,927
baseline
▲ 0.50% · 4.625%
HK$60,980
+HK$3,053/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$115,854/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,634
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,427
−HK$1,821/mo
Today · 4.125%
HK$61,248
baseline
▲ 0.50% · 4.625%
HK$64,975
+HK$3,727/mo
Deposit HK$5.42M · loan HK$12.64M · min. income ≈ HK$122,496/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$677,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,117
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,837
−HK$1,744/mo
Today · 4.125%
HK$67,581
baseline
▲ 0.50% · 4.625%
HK$71,144
+HK$3,563/mo
Deposit HK$5.42M · loan HK$12.64M · min. income ≈ HK$135,162/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$677,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,101
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$76,406
−HK$2,342/mo
Today · 4.125%
HK$78,748
baseline
▲ 0.50% · 4.625%
HK$83,539
+HK$4,791/mo
Deposit HK$1.81M · loan HK$16.25M · min. income ≈ HK$157,496/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,017 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,437
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$84,648
−HK$2,242/mo
Today · 4.125%
HK$86,890
baseline
▲ 0.50% · 4.625%
HK$91,471
+HK$4,581/mo
Deposit HK$1.81M · loan HK$16.25M · min. income ≈ HK$173,780/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,017 · Scale 2, in force from 26 Feb 2026)