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$41,200
−HK$2,583/mo
▼ 0.25% · 3.875%
HK$42,481
−HK$1,302/mo
Today · 4.125%
HK$43,783
baseline
▲ 0.50% · 4.625%
HK$46,447
+HK$2,664/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$87,566/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,834
−HK$2,476/mo
▼ 0.25% · 3.875%
HK$47,063
−HK$1,247/mo
Today · 4.125%
HK$48,310
baseline
▲ 0.50% · 4.625%
HK$50,857
+HK$2,547/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$96,620/mo (50% DSR)
Upfront cash ≈ HK$9.71M (deposit + AVD stamp duty HK$677,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,439
−HK$3,101/mo
▼ 0.25% · 3.875%
HK$50,977
−HK$1,563/mo
Today · 4.125%
HK$52,540
baseline
▲ 0.50% · 4.625%
HK$55,737
+HK$3,197/mo
Deposit HK$7.23M · loan HK$10.84M · min. income ≈ HK$105,080/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,001
−HK$2,971/mo
▼ 0.25% · 3.875%
HK$56,476
−HK$1,496/mo
Today · 4.125%
HK$57,972
baseline
▲ 0.50% · 4.625%
HK$61,028
+HK$3,056/mo
Deposit HK$7.23M · loan HK$10.84M · min. income ≈ HK$115,944/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,679
−HK$3,617/mo
▼ 0.25% · 3.875%
HK$59,473
−HK$1,823/mo
Today · 4.125%
HK$61,296
baseline
▲ 0.50% · 4.625%
HK$65,026
+HK$3,730/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$122,592/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,168
−HK$3,466/mo
▼ 0.25% · 3.875%
HK$65,889
−HK$1,745/mo
Today · 4.125%
HK$67,634
baseline
▲ 0.50% · 4.625%
HK$71,200
+HK$3,566/mo
Deposit HK$5.42M · loan HK$12.65M · min. income ≈ HK$135,268/mo (50% DSR)
Upfront cash ≈ HK$6.10M (deposit + AVD stamp duty HK$677,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,159
−HK$4,651/mo
▼ 0.25% · 3.875%
HK$76,466
−HK$2,344/mo
Today · 4.125%
HK$78,810
baseline
▲ 0.50% · 4.625%
HK$83,605
+HK$4,795/mo
Deposit HK$1.81M · loan HK$16.26M · min. income ≈ HK$157,620/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,548 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,501
−HK$4,458/mo
▼ 0.25% · 3.875%
HK$84,714
−HK$2,245/mo
Today · 4.125%
HK$86,959
baseline
▲ 0.50% · 4.625%
HK$91,542
+HK$4,583/mo
Deposit HK$1.81M · loan HK$16.26M · min. income ≈ HK$173,918/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,548 · Scale 2, in force from 26 Feb 2026)