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$41,070
−HK$2,575/mo
▼ 0.25% · 3.875%
HK$42,347
−HK$1,298/mo
Today · 4.125%
HK$43,645
baseline
▲ 0.50% · 4.625%
HK$46,301
+HK$2,656/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,290/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,689
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,915
−HK$1,243/mo
Today · 4.125%
HK$48,158
baseline
▲ 0.50% · 4.625%
HK$50,696
+HK$2,538/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,316/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,283
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,816
−HK$1,558/mo
Today · 4.125%
HK$52,374
baseline
▲ 0.50% · 4.625%
HK$55,561
+HK$3,187/mo
Deposit HK$7.20M · loan HK$10.81M · min. income ≈ HK$104,748/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,827
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,298
−HK$1,492/mo
Today · 4.125%
HK$57,790
baseline
▲ 0.50% · 4.625%
HK$60,836
+HK$3,046/mo
Deposit HK$7.20M · loan HK$10.81M · min. income ≈ HK$115,580/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,497
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,286
−HK$1,817/mo
Today · 4.125%
HK$61,103
baseline
▲ 0.50% · 4.625%
HK$64,821
+HK$3,718/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$122,206/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,965
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,681
−HK$1,740/mo
Today · 4.125%
HK$67,421
baseline
▲ 0.50% · 4.625%
HK$70,975
+HK$3,554/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$134,842/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,925
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$76,225
−HK$2,336/mo
Today · 4.125%
HK$78,561
baseline
▲ 0.50% · 4.625%
HK$83,341
+HK$4,780/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$157,122/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,411 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,241
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$84,447
−HK$2,237/mo
Today · 4.125%
HK$86,684
baseline
▲ 0.50% · 4.625%
HK$91,254
+HK$4,570/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$173,368/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,411 · Scale 2, in force from 26 Feb 2026)