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$41,197
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,478
−HK$1,302/mo
Today · 4.125%
HK$43,780
baseline
▲ 0.50% · 4.625%
HK$46,444
+HK$2,664/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$87,560/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,831
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,060
−HK$1,247/mo
Today · 4.125%
HK$48,307
baseline
▲ 0.50% · 4.625%
HK$50,853
+HK$2,546/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$96,614/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,436
−HK$3,100/mo
▼ 0.25% · 3.875%
HK$50,974
−HK$1,562/mo
Today · 4.125%
HK$52,536
baseline
▲ 0.50% · 4.625%
HK$55,733
+HK$3,197/mo
Deposit HK$7.23M · loan HK$10.84M · min. income ≈ HK$105,072/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,997
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,472
−HK$1,496/mo
Today · 4.125%
HK$57,968
baseline
▲ 0.50% · 4.625%
HK$61,024
+HK$3,056/mo
Deposit HK$7.23M · loan HK$10.84M · min. income ≈ HK$115,936/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,675
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$59,469
−HK$1,823/mo
Today · 4.125%
HK$61,292
baseline
▲ 0.50% · 4.625%
HK$65,022
+HK$3,730/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$122,584/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,163
−HK$3,467/mo
▼ 0.25% · 3.875%
HK$65,884
−HK$1,746/mo
Today · 4.125%
HK$67,630
baseline
▲ 0.50% · 4.625%
HK$71,195
+HK$3,565/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$135,260/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,154
−HK$4,650/mo
▼ 0.25% · 3.875%
HK$76,461
−HK$2,343/mo
Today · 4.125%
HK$78,804
baseline
▲ 0.50% · 4.625%
HK$83,599
+HK$4,795/mo
Deposit HK$1.81M · loan HK$16.26M · min. income ≈ HK$157,608/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,501 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,496
−HK$4,457/mo
▼ 0.25% · 3.875%
HK$84,708
−HK$2,245/mo
Today · 4.125%
HK$86,953
baseline
▲ 0.50% · 4.625%
HK$91,536
+HK$4,583/mo
Deposit HK$1.81M · loan HK$16.26M · min. income ≈ HK$173,906/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,501 · Scale 2, in force from 26 Feb 2026)