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$41,084
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,361
−HK$1,299/mo
Today · 4.125%
HK$43,660
baseline
▲ 0.50% · 4.625%
HK$46,316
+HK$2,656/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,320/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,705
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,931
−HK$1,243/mo
Today · 4.125%
HK$48,174
baseline
▲ 0.50% · 4.625%
HK$50,714
+HK$2,540/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,348/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,300
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$50,834
−HK$1,558/mo
Today · 4.125%
HK$52,392
baseline
▲ 0.50% · 4.625%
HK$55,580
+HK$3,188/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$104,784/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,846
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,317
−HK$1,492/mo
Today · 4.125%
HK$57,809
baseline
▲ 0.50% · 4.625%
HK$60,856
+HK$3,047/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$115,618/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,517
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,306
−HK$1,818/mo
Today · 4.125%
HK$61,124
baseline
▲ 0.50% · 4.625%
HK$64,843
+HK$3,719/mo
Deposit HK$5.41M · loan HK$12.61M · min. income ≈ HK$122,248/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,987
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,703
−HK$1,741/mo
Today · 4.125%
HK$67,444
baseline
▲ 0.50% · 4.625%
HK$70,999
+HK$3,555/mo
Deposit HK$5.41M · loan HK$12.61M · min. income ≈ HK$134,888/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,950
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,251
−HK$2,337/mo
Today · 4.125%
HK$78,588
baseline
▲ 0.50% · 4.625%
HK$83,370
+HK$4,782/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$157,176/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,641 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,269
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,476
−HK$2,238/mo
Today · 4.125%
HK$86,714
baseline
▲ 0.50% · 4.625%
HK$91,285
+HK$4,571/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$173,428/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,641 · Scale 2, in force from 26 Feb 2026)