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$41,082
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,360
−HK$1,298/mo
Today · 4.125%
HK$43,658
baseline
▲ 0.50% · 4.625%
HK$46,314
+HK$2,656/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,316/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,703
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,929
−HK$1,243/mo
Today · 4.125%
HK$48,172
baseline
▲ 0.50% · 4.625%
HK$50,711
+HK$2,539/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,344/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,298
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,831
−HK$1,558/mo
Today · 4.125%
HK$52,389
baseline
▲ 0.50% · 4.625%
HK$55,577
+HK$3,188/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$104,778/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,844
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,314
−HK$1,493/mo
Today · 4.125%
HK$57,807
baseline
▲ 0.50% · 4.625%
HK$60,854
+HK$3,047/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$115,614/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,514
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,303
−HK$1,818/mo
Today · 4.125%
HK$61,121
baseline
▲ 0.50% · 4.625%
HK$64,840
+HK$3,719/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$122,242/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,984
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,700
−HK$1,741/mo
Today · 4.125%
HK$67,441
baseline
▲ 0.50% · 4.625%
HK$70,996
+HK$3,555/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$134,882/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,947
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$76,247
−HK$2,337/mo
Today · 4.125%
HK$78,584
baseline
▲ 0.50% · 4.625%
HK$83,366
+HK$4,782/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$157,168/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,610 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,265
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,472
−HK$2,238/mo
Today · 4.125%
HK$86,710
baseline
▲ 0.50% · 4.625%
HK$91,280
+HK$4,570/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$173,420/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,610 · Scale 2, in force from 26 Feb 2026)