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$41,079
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,357
−HK$1,298/mo
Today · 4.125%
HK$43,655
baseline
▲ 0.50% · 4.625%
HK$46,311
+HK$2,656/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,310/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,700
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,926
−HK$1,243/mo
Today · 4.125%
HK$48,169
baseline
▲ 0.50% · 4.625%
HK$50,708
+HK$2,539/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,338/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,295
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,828
−HK$1,558/mo
Today · 4.125%
HK$52,386
baseline
▲ 0.50% · 4.625%
HK$55,574
+HK$3,188/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$104,772/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,840
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,311
−HK$1,492/mo
Today · 4.125%
HK$57,803
baseline
▲ 0.50% · 4.625%
HK$60,850
+HK$3,047/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$115,606/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,511
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,300
−HK$1,817/mo
Today · 4.125%
HK$61,117
baseline
▲ 0.50% · 4.625%
HK$64,836
+HK$3,719/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$122,234/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,980
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,696
−HK$1,741/mo
Today · 4.125%
HK$67,437
baseline
▲ 0.50% · 4.625%
HK$70,991
+HK$3,554/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$134,874/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,942
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$76,242
−HK$2,337/mo
Today · 4.125%
HK$78,579
baseline
▲ 0.50% · 4.625%
HK$83,360
+HK$4,781/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$157,158/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,567 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,260
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$84,466
−HK$2,238/mo
Today · 4.125%
HK$86,704
baseline
▲ 0.50% · 4.625%
HK$91,275
+HK$4,571/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$173,408/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,567 · Scale 2, in force from 26 Feb 2026)