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$41,102
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,380
−HK$1,299/mo
Today · 4.125%
HK$43,679
baseline
▲ 0.50% · 4.625%
HK$46,337
+HK$2,658/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,358/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,725
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,952
−HK$1,244/mo
Today · 4.125%
HK$48,196
baseline
▲ 0.50% · 4.625%
HK$50,736
+HK$2,540/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,392/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,322
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,857
−HK$1,558/mo
Today · 4.125%
HK$52,415
baseline
▲ 0.50% · 4.625%
HK$55,605
+HK$3,190/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$104,830/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$675,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,871
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,342
−HK$1,493/mo
Today · 4.125%
HK$57,835
baseline
▲ 0.50% · 4.625%
HK$60,884
+HK$3,049/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$115,670/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$675,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,543
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,333
−HK$1,818/mo
Today · 4.125%
HK$61,151
baseline
▲ 0.50% · 4.625%
HK$64,872
+HK$3,721/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$122,302/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,016
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,733
−HK$1,741/mo
Today · 4.125%
HK$67,474
baseline
▲ 0.50% · 4.625%
HK$71,031
+HK$3,557/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$134,948/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,983
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,285
−HK$2,338/mo
Today · 4.125%
HK$78,623
baseline
▲ 0.50% · 4.625%
HK$83,407
+HK$4,784/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$157,246/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,943 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,306
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$84,513
−HK$2,240/mo
Today · 4.125%
HK$86,753
baseline
▲ 0.50% · 4.625%
HK$91,325
+HK$4,572/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$173,506/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,943 · Scale 2, in force from 26 Feb 2026)