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$41,087
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,365
−HK$1,299/mo
Today · 4.125%
HK$43,664
baseline
▲ 0.50% · 4.625%
HK$46,320
+HK$2,656/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,328/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,709
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,935
−HK$1,243/mo
Today · 4.125%
HK$48,178
baseline
▲ 0.50% · 4.625%
HK$50,718
+HK$2,540/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,356/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,304
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$50,838
−HK$1,558/mo
Today · 4.125%
HK$52,396
baseline
▲ 0.50% · 4.625%
HK$55,584
+HK$3,188/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$104,792/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,851
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,322
−HK$1,492/mo
Today · 4.125%
HK$57,814
baseline
▲ 0.50% · 4.625%
HK$60,862
+HK$3,048/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$115,628/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,522
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,311
−HK$1,818/mo
Today · 4.125%
HK$61,129
baseline
▲ 0.50% · 4.625%
HK$64,849
+HK$3,720/mo
Deposit HK$5.41M · loan HK$12.61M · min. income ≈ HK$122,258/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,992
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,709
−HK$1,741/mo
Today · 4.125%
HK$67,450
baseline
▲ 0.50% · 4.625%
HK$71,005
+HK$3,555/mo
Deposit HK$5.41M · loan HK$12.61M · min. income ≈ HK$134,900/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,957
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$76,257
−HK$2,337/mo
Today · 4.125%
HK$78,594
baseline
▲ 0.50% · 4.625%
HK$83,377
+HK$4,783/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$157,188/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,698 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,276
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,483
−HK$2,238/mo
Today · 4.125%
HK$86,721
baseline
▲ 0.50% · 4.625%
HK$91,292
+HK$4,571/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$173,442/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,698 · Scale 2, in force from 26 Feb 2026)