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$41,080
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,358
−HK$1,298/mo
Today · 4.125%
HK$43,656
baseline
▲ 0.50% · 4.625%
HK$46,313
+HK$2,657/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,312/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,701
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,927
−HK$1,244/mo
Today · 4.125%
HK$48,171
baseline
▲ 0.50% · 4.625%
HK$50,710
+HK$2,539/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,342/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,296
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$50,830
−HK$1,558/mo
Today · 4.125%
HK$52,388
baseline
▲ 0.50% · 4.625%
HK$55,575
+HK$3,187/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$104,776/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,842
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,313
−HK$1,492/mo
Today · 4.125%
HK$57,805
baseline
▲ 0.50% · 4.625%
HK$60,852
+HK$3,047/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$115,610/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,512
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,301
−HK$1,818/mo
Today · 4.125%
HK$61,119
baseline
▲ 0.50% · 4.625%
HK$64,838
+HK$3,719/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$122,238/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,982
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,698
−HK$1,741/mo
Today · 4.125%
HK$67,439
baseline
▲ 0.50% · 4.625%
HK$70,994
+HK$3,555/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$134,878/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,945
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$76,245
−HK$2,337/mo
Today · 4.125%
HK$78,582
baseline
▲ 0.50% · 4.625%
HK$83,363
+HK$4,781/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$157,164/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,588 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,263
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$84,469
−HK$2,238/mo
Today · 4.125%
HK$86,707
baseline
▲ 0.50% · 4.625%
HK$91,277
+HK$4,570/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$173,414/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,588 · Scale 2, in force from 26 Feb 2026)