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$41,090
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,368
−HK$1,299/mo
Today · 4.125%
HK$43,667
baseline
▲ 0.50% · 4.625%
HK$46,324
+HK$2,657/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,334/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,712
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,938
−HK$1,244/mo
Today · 4.125%
HK$48,182
baseline
▲ 0.50% · 4.625%
HK$50,722
+HK$2,540/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,364/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,308
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$50,842
−HK$1,558/mo
Today · 4.125%
HK$52,400
baseline
▲ 0.50% · 4.625%
HK$55,589
+HK$3,189/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$104,800/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,855
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,326
−HK$1,492/mo
Today · 4.125%
HK$57,818
baseline
▲ 0.50% · 4.625%
HK$60,866
+HK$3,048/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$115,636/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,526
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,316
−HK$1,818/mo
Today · 4.125%
HK$61,134
baseline
▲ 0.50% · 4.625%
HK$64,853
+HK$3,719/mo
Deposit HK$5.41M · loan HK$12.61M · min. income ≈ HK$122,268/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,997
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,714
−HK$1,741/mo
Today · 4.125%
HK$67,455
baseline
▲ 0.50% · 4.625%
HK$71,010
+HK$3,555/mo
Deposit HK$5.41M · loan HK$12.61M · min. income ≈ HK$134,910/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,962
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,263
−HK$2,337/mo
Today · 4.125%
HK$78,600
baseline
▲ 0.50% · 4.625%
HK$83,383
+HK$4,783/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$157,200/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,749 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,282
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,489
−HK$2,239/mo
Today · 4.125%
HK$86,728
baseline
▲ 0.50% · 4.625%
HK$91,299
+HK$4,571/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$173,456/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,749 · Scale 2, in force from 26 Feb 2026)