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$41,097
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,375
−HK$1,299/mo
Today · 4.125%
HK$43,674
baseline
▲ 0.50% · 4.625%
HK$46,332
+HK$2,658/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,348/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,720
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,946
−HK$1,244/mo
Today · 4.125%
HK$48,190
baseline
▲ 0.50% · 4.625%
HK$50,730
+HK$2,540/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,380/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,316
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,850
−HK$1,559/mo
Today · 4.125%
HK$52,409
baseline
▲ 0.50% · 4.625%
HK$55,598
+HK$3,189/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$104,818/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$675,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,864
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,335
−HK$1,493/mo
Today · 4.125%
HK$57,828
baseline
▲ 0.50% · 4.625%
HK$60,876
+HK$3,048/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$115,656/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$675,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,536
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,325
−HK$1,819/mo
Today · 4.125%
HK$61,144
baseline
▲ 0.50% · 4.625%
HK$64,864
+HK$3,720/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$122,288/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,008
−HK$3,458/mo
▼ 0.25% · 3.875%
HK$65,725
−HK$1,741/mo
Today · 4.125%
HK$67,466
baseline
▲ 0.50% · 4.625%
HK$71,022
+HK$3,556/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$134,932/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,975
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,276
−HK$2,337/mo
Today · 4.125%
HK$78,613
baseline
▲ 0.50% · 4.625%
HK$83,397
+HK$4,784/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$157,226/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,862 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,296
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,503
−HK$2,239/mo
Today · 4.125%
HK$86,742
baseline
▲ 0.50% · 4.625%
HK$91,315
+HK$4,573/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$173,484/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,862 · Scale 2, in force from 26 Feb 2026)