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$41,088
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,367
−HK$1,298/mo
Today · 4.125%
HK$43,665
baseline
▲ 0.50% · 4.625%
HK$46,322
+HK$2,657/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,330/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,710
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,936
−HK$1,244/mo
Today · 4.125%
HK$48,180
baseline
▲ 0.50% · 4.625%
HK$50,720
+HK$2,540/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,360/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,306
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$50,840
−HK$1,558/mo
Today · 4.125%
HK$52,398
baseline
▲ 0.50% · 4.625%
HK$55,586
+HK$3,188/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$104,796/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,853
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,324
−HK$1,492/mo
Today · 4.125%
HK$57,816
baseline
▲ 0.50% · 4.625%
HK$60,864
+HK$3,048/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$115,632/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,524
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,313
−HK$1,818/mo
Today · 4.125%
HK$61,131
baseline
▲ 0.50% · 4.625%
HK$64,851
+HK$3,720/mo
Deposit HK$5.41M · loan HK$12.61M · min. income ≈ HK$122,262/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,995
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,711
−HK$1,741/mo
Today · 4.125%
HK$67,452
baseline
▲ 0.50% · 4.625%
HK$71,008
+HK$3,556/mo
Deposit HK$5.41M · loan HK$12.61M · min. income ≈ HK$134,904/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,959
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,260
−HK$2,337/mo
Today · 4.125%
HK$78,597
baseline
▲ 0.50% · 4.625%
HK$83,380
+HK$4,783/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$157,194/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,721 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,279
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,486
−HK$2,238/mo
Today · 4.125%
HK$86,724
baseline
▲ 0.50% · 4.625%
HK$91,295
+HK$4,571/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$173,448/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,721 · Scale 2, in force from 26 Feb 2026)