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$41,134
−HK$2,579/mo
▼ 0.25% · 3.875%
HK$42,413
−HK$1,300/mo
Today · 4.125%
HK$43,713
baseline
▲ 0.50% · 4.625%
HK$46,373
+HK$2,660/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$87,426/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,761
−HK$2,472/mo
▼ 0.25% · 3.875%
HK$46,988
−HK$1,245/mo
Today · 4.125%
HK$48,233
baseline
▲ 0.50% · 4.625%
HK$50,775
+HK$2,542/mo
Deposit HK$9.02M · loan HK$9.02M · min. income ≈ HK$96,466/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$676,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,360
−HK$3,096/mo
▼ 0.25% · 3.875%
HK$50,896
−HK$1,560/mo
Today · 4.125%
HK$52,456
baseline
▲ 0.50% · 4.625%
HK$55,647
+HK$3,191/mo
Deposit HK$7.22M · loan HK$10.82M · min. income ≈ HK$104,912/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,913
−HK$2,967/mo
▼ 0.25% · 3.875%
HK$56,386
−HK$1,494/mo
Today · 4.125%
HK$57,880
baseline
▲ 0.50% · 4.625%
HK$60,931
+HK$3,051/mo
Deposit HK$7.22M · loan HK$10.82M · min. income ≈ HK$115,760/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$676,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,587
−HK$3,611/mo
▼ 0.25% · 3.875%
HK$59,378
−HK$1,820/mo
Today · 4.125%
HK$61,198
baseline
▲ 0.50% · 4.625%
HK$64,922
+HK$3,724/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$122,396/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,065
−HK$3,461/mo
▼ 0.25% · 3.875%
HK$65,783
−HK$1,743/mo
Today · 4.125%
HK$67,526
baseline
▲ 0.50% · 4.625%
HK$71,086
+HK$3,560/mo
Deposit HK$5.41M · loan HK$12.63M · min. income ≈ HK$135,052/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$676,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,041
−HK$4,643/mo
▼ 0.25% · 3.875%
HK$76,344
−HK$2,340/mo
Today · 4.125%
HK$78,684
baseline
▲ 0.50% · 4.625%
HK$83,471
+HK$4,787/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$157,368/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,464 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,369
−HK$4,450/mo
▼ 0.25% · 3.875%
HK$84,578
−HK$2,241/mo
Today · 4.125%
HK$86,819
baseline
▲ 0.50% · 4.625%
HK$91,396
+HK$4,577/mo
Deposit HK$1.80M · loan HK$16.24M · min. income ≈ HK$173,638/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$676,464 · Scale 2, in force from 26 Feb 2026)