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$41,088
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,366
−HK$1,299/mo
Today · 4.125%
HK$43,665
baseline
▲ 0.50% · 4.625%
HK$46,321
+HK$2,656/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,330/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,710
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,936
−HK$1,244/mo
Today · 4.125%
HK$48,180
baseline
▲ 0.50% · 4.625%
HK$50,719
+HK$2,539/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,360/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,306
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,839
−HK$1,558/mo
Today · 4.125%
HK$52,397
baseline
▲ 0.50% · 4.625%
HK$55,586
+HK$3,189/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$104,794/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,852
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,323
−HK$1,492/mo
Today · 4.125%
HK$57,815
baseline
▲ 0.50% · 4.625%
HK$60,863
+HK$3,048/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$115,630/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,523
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,313
−HK$1,817/mo
Today · 4.125%
HK$61,130
baseline
▲ 0.50% · 4.625%
HK$64,850
+HK$3,720/mo
Deposit HK$5.41M · loan HK$12.61M · min. income ≈ HK$122,260/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,994
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,710
−HK$1,741/mo
Today · 4.125%
HK$67,451
baseline
▲ 0.50% · 4.625%
HK$71,007
+HK$3,556/mo
Deposit HK$5.41M · loan HK$12.61M · min. income ≈ HK$134,902/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,958
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,259
−HK$2,337/mo
Today · 4.125%
HK$78,596
baseline
▲ 0.50% · 4.625%
HK$83,379
+HK$4,783/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$157,192/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,714 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,278
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,485
−HK$2,238/mo
Today · 4.125%
HK$86,723
baseline
▲ 0.50% · 4.625%
HK$91,295
+HK$4,572/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$173,446/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,714 · Scale 2, in force from 26 Feb 2026)