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$41,170
−HK$2,582/mo
▼ 0.25% · 3.875%
HK$42,451
−HK$1,301/mo
Today · 4.125%
HK$43,752
baseline
▲ 0.50% · 4.625%
HK$46,414
+HK$2,662/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$87,504/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$677,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,801
−HK$2,475/mo
▼ 0.25% · 3.875%
HK$47,030
−HK$1,246/mo
Today · 4.125%
HK$48,276
baseline
▲ 0.50% · 4.625%
HK$50,820
+HK$2,544/mo
Deposit HK$9.03M · loan HK$9.03M · min. income ≈ HK$96,552/mo (50% DSR)
Upfront cash ≈ HK$9.70M (deposit + AVD stamp duty HK$677,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,404
−HK$3,098/mo
▼ 0.25% · 3.875%
HK$50,941
−HK$1,561/mo
Today · 4.125%
HK$52,502
baseline
▲ 0.50% · 4.625%
HK$55,697
+HK$3,195/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$105,004/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,961
−HK$2,970/mo
▼ 0.25% · 3.875%
HK$56,435
−HK$1,496/mo
Today · 4.125%
HK$57,931
baseline
▲ 0.50% · 4.625%
HK$60,984
+HK$3,053/mo
Deposit HK$7.22M · loan HK$10.83M · min. income ≈ HK$115,862/mo (50% DSR)
Upfront cash ≈ HK$7.90M (deposit + AVD stamp duty HK$677,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,638
−HK$3,614/mo
▼ 0.25% · 3.875%
HK$59,431
−HK$1,821/mo
Today · 4.125%
HK$61,252
baseline
▲ 0.50% · 4.625%
HK$64,979
+HK$3,727/mo
Deposit HK$5.42M · loan HK$12.64M · min. income ≈ HK$122,504/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$677,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,122
−HK$3,464/mo
▼ 0.25% · 3.875%
HK$65,841
−HK$1,745/mo
Today · 4.125%
HK$67,586
baseline
▲ 0.50% · 4.625%
HK$71,148
+HK$3,562/mo
Deposit HK$5.42M · loan HK$12.64M · min. income ≈ HK$135,172/mo (50% DSR)
Upfront cash ≈ HK$6.09M (deposit + AVD stamp duty HK$677,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,106
−HK$4,647/mo
▼ 0.25% · 3.875%
HK$76,411
−HK$2,342/mo
Today · 4.125%
HK$78,753
baseline
▲ 0.50% · 4.625%
HK$83,545
+HK$4,792/mo
Deposit HK$1.81M · loan HK$16.25M · min. income ≈ HK$157,506/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,442
−HK$4,454/mo
▼ 0.25% · 3.875%
HK$84,653
−HK$2,243/mo
Today · 4.125%
HK$86,896
baseline
▲ 0.50% · 4.625%
HK$91,477
+HK$4,581/mo
Deposit HK$1.81M · loan HK$16.25M · min. income ≈ HK$173,792/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$677,062 · Scale 2, in force from 26 Feb 2026)