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$41,093
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,371
−HK$1,299/mo
Today · 4.125%
HK$43,670
baseline
▲ 0.50% · 4.625%
HK$46,327
+HK$2,657/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,340/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,715
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,941
−HK$1,244/mo
Today · 4.125%
HK$48,185
baseline
▲ 0.50% · 4.625%
HK$50,725
+HK$2,540/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,370/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,311
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,845
−HK$1,559/mo
Today · 4.125%
HK$52,404
baseline
▲ 0.50% · 4.625%
HK$55,592
+HK$3,188/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$104,808/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,858
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,330
−HK$1,492/mo
Today · 4.125%
HK$57,822
baseline
▲ 0.50% · 4.625%
HK$60,870
+HK$3,048/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$115,644/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,530
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,320
−HK$1,818/mo
Today · 4.125%
HK$61,138
baseline
▲ 0.50% · 4.625%
HK$64,858
+HK$3,720/mo
Deposit HK$5.41M · loan HK$12.61M · min. income ≈ HK$122,276/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,002
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,718
−HK$1,741/mo
Today · 4.125%
HK$67,459
baseline
▲ 0.50% · 4.625%
HK$71,015
+HK$3,556/mo
Deposit HK$5.41M · loan HK$12.61M · min. income ≈ HK$134,918/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,967
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,268
−HK$2,338/mo
Today · 4.125%
HK$78,606
baseline
▲ 0.50% · 4.625%
HK$83,389
+HK$4,783/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$157,212/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,794 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,288
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,495
−HK$2,238/mo
Today · 4.125%
HK$86,733
baseline
▲ 0.50% · 4.625%
HK$91,305
+HK$4,572/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$173,466/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,794 · Scale 2, in force from 26 Feb 2026)