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$41,078
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,356
−HK$1,298/mo
Today · 4.125%
HK$43,654
baseline
▲ 0.50% · 4.625%
HK$46,310
+HK$2,656/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,308/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,699
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,925
−HK$1,243/mo
Today · 4.125%
HK$48,168
baseline
▲ 0.50% · 4.625%
HK$50,707
+HK$2,539/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,336/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,294
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,827
−HK$1,558/mo
Today · 4.125%
HK$52,385
baseline
▲ 0.50% · 4.625%
HK$55,573
+HK$3,188/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$104,770/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,839
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,310
−HK$1,492/mo
Today · 4.125%
HK$57,802
baseline
▲ 0.50% · 4.625%
HK$60,849
+HK$3,047/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$115,604/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,510
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,298
−HK$1,818/mo
Today · 4.125%
HK$61,116
baseline
▲ 0.50% · 4.625%
HK$64,835
+HK$3,719/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$122,232/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,979
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,695
−HK$1,740/mo
Today · 4.125%
HK$67,435
baseline
▲ 0.50% · 4.625%
HK$70,990
+HK$3,555/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$134,870/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,941
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$76,241
−HK$2,337/mo
Today · 4.125%
HK$78,578
baseline
▲ 0.50% · 4.625%
HK$83,359
+HK$4,781/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$157,156/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,554 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,258
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,465
−HK$2,238/mo
Today · 4.125%
HK$86,703
baseline
▲ 0.50% · 4.625%
HK$91,273
+HK$4,570/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$173,406/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,554 · Scale 2, in force from 26 Feb 2026)