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$41,094
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,372
−HK$1,298/mo
Today · 4.125%
HK$43,670
baseline
▲ 0.50% · 4.625%
HK$46,328
+HK$2,658/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,340/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,716
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,942
−HK$1,244/mo
Today · 4.125%
HK$48,186
baseline
▲ 0.50% · 4.625%
HK$50,726
+HK$2,540/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,372/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,312
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,846
−HK$1,559/mo
Today · 4.125%
HK$52,405
baseline
▲ 0.50% · 4.625%
HK$55,593
+HK$3,188/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$104,810/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,859
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,331
−HK$1,492/mo
Today · 4.125%
HK$57,823
baseline
▲ 0.50% · 4.625%
HK$60,871
+HK$3,048/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$115,646/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,531
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,321
−HK$1,818/mo
Today · 4.125%
HK$61,139
baseline
▲ 0.50% · 4.625%
HK$64,859
+HK$3,720/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$122,278/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,003
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,719
−HK$1,741/mo
Today · 4.125%
HK$67,460
baseline
▲ 0.50% · 4.625%
HK$71,016
+HK$3,556/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$134,920/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,968
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,269
−HK$2,338/mo
Today · 4.125%
HK$78,607
baseline
▲ 0.50% · 4.625%
HK$83,390
+HK$4,783/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$157,214/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,805 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,289
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,496
−HK$2,239/mo
Today · 4.125%
HK$86,735
baseline
▲ 0.50% · 4.625%
HK$91,307
+HK$4,572/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$173,470/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,805 · Scale 2, in force from 26 Feb 2026)