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$41,096
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,375
−HK$1,299/mo
Today · 4.125%
HK$43,674
baseline
▲ 0.50% · 4.625%
HK$46,331
+HK$2,657/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,348/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,719
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,946
−HK$1,244/mo
Today · 4.125%
HK$48,190
baseline
▲ 0.50% · 4.625%
HK$50,730
+HK$2,540/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,380/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,316
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$50,850
−HK$1,558/mo
Today · 4.125%
HK$52,408
baseline
▲ 0.50% · 4.625%
HK$55,597
+HK$3,189/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$104,816/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,863
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,335
−HK$1,492/mo
Today · 4.125%
HK$57,827
baseline
▲ 0.50% · 4.625%
HK$60,876
+HK$3,049/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$115,654/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,535
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,325
−HK$1,818/mo
Today · 4.125%
HK$61,143
baseline
▲ 0.50% · 4.625%
HK$64,863
+HK$3,720/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$122,286/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,007
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,724
−HK$1,741/mo
Today · 4.125%
HK$67,465
baseline
▲ 0.50% · 4.625%
HK$71,021
+HK$3,556/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$134,930/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,974
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,275
−HK$2,337/mo
Today · 4.125%
HK$78,612
baseline
▲ 0.50% · 4.625%
HK$83,396
+HK$4,784/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$157,224/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,854 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,295
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,502
−HK$2,239/mo
Today · 4.125%
HK$86,741
baseline
▲ 0.50% · 4.625%
HK$91,313
+HK$4,572/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$173,482/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,854 · Scale 2, in force from 26 Feb 2026)