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$41,103
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,381
−HK$1,299/mo
Today · 4.125%
HK$43,680
baseline
▲ 0.50% · 4.625%
HK$46,338
+HK$2,658/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,360/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,726
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,953
−HK$1,244/mo
Today · 4.125%
HK$48,197
baseline
▲ 0.50% · 4.625%
HK$50,737
+HK$2,540/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,394/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,323
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,858
−HK$1,558/mo
Today · 4.125%
HK$52,416
baseline
▲ 0.50% · 4.625%
HK$55,606
+HK$3,190/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$104,832/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$675,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,872
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,343
−HK$1,493/mo
Today · 4.125%
HK$57,836
baseline
▲ 0.50% · 4.625%
HK$60,885
+HK$3,049/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$115,672/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$675,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,544
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,334
−HK$1,818/mo
Today · 4.125%
HK$61,152
baseline
▲ 0.50% · 4.625%
HK$64,873
+HK$3,721/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$122,304/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,017
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,734
−HK$1,742/mo
Today · 4.125%
HK$67,476
baseline
▲ 0.50% · 4.625%
HK$71,032
+HK$3,556/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$134,952/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,985
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,286
−HK$2,339/mo
Today · 4.125%
HK$78,625
baseline
▲ 0.50% · 4.625%
HK$83,409
+HK$4,784/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$157,250/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,957 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,308
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,515
−HK$2,239/mo
Today · 4.125%
HK$86,754
baseline
▲ 0.50% · 4.625%
HK$91,327
+HK$4,573/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$173,508/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,957 · Scale 2, in force from 26 Feb 2026)