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$41,068
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,346
−HK$1,298/mo
Today · 4.125%
HK$43,644
baseline
▲ 0.50% · 4.625%
HK$46,299
+HK$2,655/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,288/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,688
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,914
−HK$1,243/mo
Today · 4.125%
HK$48,157
baseline
▲ 0.50% · 4.625%
HK$50,695
+HK$2,538/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,314/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,282
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,815
−HK$1,558/mo
Today · 4.125%
HK$52,373
baseline
▲ 0.50% · 4.625%
HK$55,559
+HK$3,186/mo
Deposit HK$7.20M · loan HK$10.81M · min. income ≈ HK$104,746/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,826
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,296
−HK$1,492/mo
Today · 4.125%
HK$57,788
baseline
▲ 0.50% · 4.625%
HK$60,834
+HK$3,046/mo
Deposit HK$7.20M · loan HK$10.81M · min. income ≈ HK$115,576/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,496
−HK$3,605/mo
▼ 0.25% · 3.875%
HK$59,284
−HK$1,817/mo
Today · 4.125%
HK$61,101
baseline
▲ 0.50% · 4.625%
HK$64,819
+HK$3,718/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$122,202/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,964
−HK$3,455/mo
▼ 0.25% · 3.875%
HK$65,679
−HK$1,740/mo
Today · 4.125%
HK$67,419
baseline
▲ 0.50% · 4.625%
HK$70,973
+HK$3,554/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$134,838/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,923
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$76,223
−HK$2,336/mo
Today · 4.125%
HK$78,559
baseline
▲ 0.50% · 4.625%
HK$83,339
+HK$4,780/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$157,118/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,393 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,239
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$84,444
−HK$2,238/mo
Today · 4.125%
HK$86,682
baseline
▲ 0.50% · 4.625%
HK$91,251
+HK$4,569/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$173,364/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,393 · Scale 2, in force from 26 Feb 2026)