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$41,081
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,359
−HK$1,298/mo
Today · 4.125%
HK$43,657
baseline
▲ 0.50% · 4.625%
HK$46,313
+HK$2,656/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,314/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,702
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,928
−HK$1,243/mo
Today · 4.125%
HK$48,171
baseline
▲ 0.50% · 4.625%
HK$50,710
+HK$2,539/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,342/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,297
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,830
−HK$1,558/mo
Today · 4.125%
HK$52,388
baseline
▲ 0.50% · 4.625%
HK$55,576
+HK$3,188/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$104,776/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,842
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,313
−HK$1,492/mo
Today · 4.125%
HK$57,805
baseline
▲ 0.50% · 4.625%
HK$60,852
+HK$3,047/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$115,610/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,513
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,302
−HK$1,818/mo
Today · 4.125%
HK$61,120
baseline
▲ 0.50% · 4.625%
HK$64,839
+HK$3,719/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$122,240/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,983
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,699
−HK$1,740/mo
Today · 4.125%
HK$67,439
baseline
▲ 0.50% · 4.625%
HK$70,994
+HK$3,555/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$134,878/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,945
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$76,245
−HK$2,337/mo
Today · 4.125%
HK$78,582
baseline
▲ 0.50% · 4.625%
HK$83,364
+HK$4,782/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$157,164/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,595 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,263
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,470
−HK$2,238/mo
Today · 4.125%
HK$86,708
baseline
▲ 0.50% · 4.625%
HK$91,278
+HK$4,570/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$173,416/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,595 · Scale 2, in force from 26 Feb 2026)