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$2,577/mo
▼ 0.25% · 3.875%
HK$42,374
−HK$1,299/mo
Today · 4.125%
HK$43,673
baseline
▲ 0.50% · 4.625%
HK$46,330
+HK$2,657/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,346/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,718
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,945
−HK$1,243/mo
Today · 4.125%
HK$48,188
baseline
▲ 0.50% · 4.625%
HK$50,728
+HK$2,540/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,376/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,315
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$50,849
−HK$1,558/mo
Today · 4.125%
HK$52,407
baseline
▲ 0.50% · 4.625%
HK$55,596
+HK$3,189/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$104,814/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,862
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,333
−HK$1,493/mo
Today · 4.125%
HK$57,826
baseline
▲ 0.50% · 4.625%
HK$60,874
+HK$3,048/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$115,652/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,534
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,323
−HK$1,819/mo
Today · 4.125%
HK$61,142
baseline
▲ 0.50% · 4.625%
HK$64,862
+HK$3,720/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$122,284/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,006
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,722
−HK$1,742/mo
Today · 4.125%
HK$67,464
baseline
▲ 0.50% · 4.625%
HK$71,020
+HK$3,556/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$134,928/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,972
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,273
−HK$2,338/mo
Today · 4.125%
HK$78,611
baseline
▲ 0.50% · 4.625%
HK$83,394
+HK$4,783/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$157,222/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,838 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,293
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,500
−HK$2,239/mo
Today · 4.125%
HK$86,739
baseline
▲ 0.50% · 4.625%
HK$91,311
+HK$4,572/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$173,478/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,838 · Scale 2, in force from 26 Feb 2026)