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$41,089
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,367
−HK$1,299/mo
Today · 4.125%
HK$43,666
baseline
▲ 0.50% · 4.625%
HK$46,323
+HK$2,657/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,332/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,711
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,937
−HK$1,244/mo
Today · 4.125%
HK$48,181
baseline
▲ 0.50% · 4.625%
HK$50,721
+HK$2,540/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,362/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,307
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$50,841
−HK$1,558/mo
Today · 4.125%
HK$52,399
baseline
▲ 0.50% · 4.625%
HK$55,587
+HK$3,188/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$104,798/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,853
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,325
−HK$1,492/mo
Today · 4.125%
HK$57,817
baseline
▲ 0.50% · 4.625%
HK$60,865
+HK$3,048/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$115,634/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,525
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,314
−HK$1,818/mo
Today · 4.125%
HK$61,132
baseline
▲ 0.50% · 4.625%
HK$64,852
+HK$3,720/mo
Deposit HK$5.41M · loan HK$12.61M · min. income ≈ HK$122,264/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,996
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,712
−HK$1,741/mo
Today · 4.125%
HK$67,453
baseline
▲ 0.50% · 4.625%
HK$71,009
+HK$3,556/mo
Deposit HK$5.41M · loan HK$12.61M · min. income ≈ HK$134,906/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,960
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,261
−HK$2,337/mo
Today · 4.125%
HK$78,598
baseline
▲ 0.50% · 4.625%
HK$83,381
+HK$4,783/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$157,196/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,280
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,487
−HK$2,239/mo
Today · 4.125%
HK$86,726
baseline
▲ 0.50% · 4.625%
HK$91,297
+HK$4,571/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$173,452/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,732 · Scale 2, in force from 26 Feb 2026)