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$41,095
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,373
−HK$1,299/mo
Today · 4.125%
HK$43,672
baseline
▲ 0.50% · 4.625%
HK$46,329
+HK$2,657/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,344/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,718
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,944
−HK$1,244/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$675,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,314
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$50,848
−HK$1,558/mo
Today · 4.125%
HK$52,406
baseline
▲ 0.50% · 4.625%
HK$55,595
+HK$3,189/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$104,812/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,861
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,332
−HK$1,493/mo
Today · 4.125%
HK$57,825
baseline
▲ 0.50% · 4.625%
HK$60,873
+HK$3,048/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$115,650/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,533
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,322
−HK$1,819/mo
Today · 4.125%
HK$61,141
baseline
▲ 0.50% · 4.625%
HK$64,861
+HK$3,720/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$122,282/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,005
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,721
−HK$1,742/mo
Today · 4.125%
HK$67,463
baseline
▲ 0.50% · 4.625%
HK$71,019
+HK$3,556/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$134,926/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,971
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,272
−HK$2,337/mo
Today · 4.125%
HK$78,609
baseline
▲ 0.50% · 4.625%
HK$83,392
+HK$4,783/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$157,218/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,826 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,292
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,499
−HK$2,239/mo
Today · 4.125%
HK$86,738
baseline
▲ 0.50% · 4.625%
HK$91,310
+HK$4,572/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$173,476/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,826 · Scale 2, in force from 26 Feb 2026)