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$41,079
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,357
−HK$1,299/mo
Today · 4.125%
HK$43,656
baseline
▲ 0.50% · 4.625%
HK$46,312
+HK$2,656/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$675,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,701
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,926
−HK$1,244/mo
Today · 4.125%
HK$48,170
baseline
▲ 0.50% · 4.625%
HK$50,709
+HK$2,539/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,340/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,295
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$50,829
−HK$1,558/mo
Today · 4.125%
HK$52,387
baseline
▲ 0.50% · 4.625%
HK$55,574
+HK$3,187/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$104,774/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,841
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,311
−HK$1,492/mo
Today · 4.125%
HK$57,803
baseline
▲ 0.50% · 4.625%
HK$60,850
+HK$3,047/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$115,606/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,511
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,300
−HK$1,818/mo
Today · 4.125%
HK$61,118
baseline
▲ 0.50% · 4.625%
HK$64,837
+HK$3,719/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$122,236/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,981
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,697
−HK$1,740/mo
Today · 4.125%
HK$67,437
baseline
▲ 0.50% · 4.625%
HK$70,992
+HK$3,555/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$134,874/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,943
−HK$4,637/mo
▼ 0.25% · 3.875%
HK$76,243
−HK$2,337/mo
Today · 4.125%
HK$78,580
baseline
▲ 0.50% · 4.625%
HK$83,361
+HK$4,781/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$157,160/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,574 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,261
−HK$4,444/mo
▼ 0.25% · 3.875%
HK$84,467
−HK$2,238/mo
Today · 4.125%
HK$86,705
baseline
▲ 0.50% · 4.625%
HK$91,276
+HK$4,571/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$173,410/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,574 · Scale 2, in force from 26 Feb 2026)