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$41,153
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,433
−HK$1,301/mo
Today · 4.125%
HK$43,734
baseline
▲ 0.50% · 4.625%
HK$46,395
+HK$2,661/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$87,468/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,782
−HK$2,474/mo
▼ 0.25% · 3.875%
HK$47,010
−HK$1,246/mo
Today · 4.125%
HK$48,256
baseline
▲ 0.50% · 4.625%
HK$50,799
+HK$2,543/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$96,512/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,384
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,920
−HK$1,560/mo
Today · 4.125%
HK$52,480
baseline
▲ 0.50% · 4.625%
HK$55,674
+HK$3,194/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$104,960/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$676,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,939
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$56,412
−HK$1,495/mo
Today · 4.125%
HK$57,907
baseline
▲ 0.50% · 4.625%
HK$60,959
+HK$3,052/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$115,814/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$676,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,614
−HK$3,613/mo
▼ 0.25% · 3.875%
HK$59,406
−HK$1,821/mo
Today · 4.125%
HK$61,227
baseline
▲ 0.50% · 4.625%
HK$64,953
+HK$3,726/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$122,454/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,095
−HK$3,463/mo
▼ 0.25% · 3.875%
HK$65,814
−HK$1,744/mo
Today · 4.125%
HK$67,558
baseline
▲ 0.50% · 4.625%
HK$71,119
+HK$3,561/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$135,116/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,075
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$76,380
−HK$2,341/mo
Today · 4.125%
HK$78,721
baseline
▲ 0.50% · 4.625%
HK$83,511
+HK$4,790/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$157,442/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,408
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$84,618
−HK$2,243/mo
Today · 4.125%
HK$86,861
baseline
▲ 0.50% · 4.625%
HK$91,439
+HK$4,578/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$173,722/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,784 · Scale 2, in force from 26 Feb 2026)