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$41,104
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,382
−HK$1,299/mo
Today · 4.125%
HK$43,681
baseline
▲ 0.50% · 4.625%
HK$46,339
+HK$2,658/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,362/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,728
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,954
−HK$1,244/mo
Today · 4.125%
HK$48,198
baseline
▲ 0.50% · 4.625%
HK$50,739
+HK$2,541/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,396/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,325
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,859
−HK$1,559/mo
Today · 4.125%
HK$52,418
baseline
▲ 0.50% · 4.625%
HK$55,607
+HK$3,189/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$104,836/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$675,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,873
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$56,345
−HK$1,493/mo
Today · 4.125%
HK$57,838
baseline
▲ 0.50% · 4.625%
HK$60,887
+HK$3,049/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$115,676/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$675,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,545
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,335
−HK$1,819/mo
Today · 4.125%
HK$61,154
baseline
▲ 0.50% · 4.625%
HK$64,875
+HK$3,721/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$122,308/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,019
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,736
−HK$1,741/mo
Today · 4.125%
HK$67,477
baseline
▲ 0.50% · 4.625%
HK$71,034
+HK$3,557/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$134,954/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,987
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,288
−HK$2,339/mo
Today · 4.125%
HK$78,627
baseline
▲ 0.50% · 4.625%
HK$83,411
+HK$4,784/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$157,254/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,975 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,310
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$84,517
−HK$2,240/mo
Today · 4.125%
HK$86,757
baseline
▲ 0.50% · 4.625%
HK$91,330
+HK$4,573/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$173,514/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,975 · Scale 2, in force from 26 Feb 2026)