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$41,160
−HK$2,581/mo
▼ 0.25% · 3.875%
HK$42,440
−HK$1,301/mo
Today · 4.125%
HK$43,741
baseline
▲ 0.50% · 4.625%
HK$46,402
+HK$2,661/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$87,482/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,790
−HK$2,473/mo
▼ 0.25% · 3.875%
HK$47,018
−HK$1,245/mo
Today · 4.125%
HK$48,263
baseline
▲ 0.50% · 4.625%
HK$50,807
+HK$2,544/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$96,526/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,391
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,928
−HK$1,561/mo
Today · 4.125%
HK$52,489
baseline
▲ 0.50% · 4.625%
HK$55,683
+HK$3,194/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$104,978/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$676,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,948
−HK$2,968/mo
▼ 0.25% · 3.875%
HK$56,421
−HK$1,495/mo
Today · 4.125%
HK$57,916
baseline
▲ 0.50% · 4.625%
HK$60,969
+HK$3,053/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$115,832/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$676,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,623
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,416
−HK$1,821/mo
Today · 4.125%
HK$61,237
baseline
▲ 0.50% · 4.625%
HK$64,963
+HK$3,726/mo
Deposit HK$5.42M · loan HK$12.64M · min. income ≈ HK$122,474/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,105
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,825
−HK$1,744/mo
Today · 4.125%
HK$67,569
baseline
▲ 0.50% · 4.625%
HK$71,130
+HK$3,561/mo
Deposit HK$5.42M · loan HK$12.64M · min. income ≈ HK$135,138/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,087
−HK$4,646/mo
▼ 0.25% · 3.875%
HK$76,392
−HK$2,341/mo
Today · 4.125%
HK$78,733
baseline
▲ 0.50% · 4.625%
HK$83,524
+HK$4,791/mo
Deposit HK$1.81M · loan HK$16.25M · min. income ≈ HK$157,466/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,891 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,421
−HK$4,453/mo
▼ 0.25% · 3.875%
HK$84,632
−HK$2,242/mo
Today · 4.125%
HK$86,874
baseline
▲ 0.50% · 4.625%
HK$91,453
+HK$4,579/mo
Deposit HK$1.81M · loan HK$16.25M · min. income ≈ HK$173,748/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,891 · Scale 2, in force from 26 Feb 2026)