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$41,075
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,353
−HK$1,298/mo
Today · 4.125%
HK$43,651
baseline
▲ 0.50% · 4.625%
HK$46,307
+HK$2,656/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,302/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,696
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,921
−HK$1,244/mo
Today · 4.125%
HK$48,165
baseline
▲ 0.50% · 4.625%
HK$50,704
+HK$2,539/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,330/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,290
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,824
−HK$1,557/mo
Today · 4.125%
HK$52,381
baseline
▲ 0.50% · 4.625%
HK$55,569
+HK$3,188/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$104,762/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,835
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,306
−HK$1,492/mo
Today · 4.125%
HK$57,798
baseline
▲ 0.50% · 4.625%
HK$60,844
+HK$3,046/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$115,596/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,505
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,294
−HK$1,818/mo
Today · 4.125%
HK$61,112
baseline
▲ 0.50% · 4.625%
HK$64,830
+HK$3,718/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$122,224/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,974
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,690
−HK$1,741/mo
Today · 4.125%
HK$67,431
baseline
▲ 0.50% · 4.625%
HK$70,985
+HK$3,554/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$134,862/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,936
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$76,235
−HK$2,337/mo
Today · 4.125%
HK$78,572
baseline
▲ 0.50% · 4.625%
HK$83,353
+HK$4,781/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$157,144/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,505 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,253
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$84,459
−HK$2,237/mo
Today · 4.125%
HK$86,696
baseline
▲ 0.50% · 4.625%
HK$91,266
+HK$4,570/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$173,392/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,505 · Scale 2, in force from 26 Feb 2026)