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$41,098
−HK$2,577/mo
▼ 0.25% · 3.875%
HK$42,376
−HK$1,299/mo
Today · 4.125%
HK$43,675
baseline
▲ 0.50% · 4.625%
HK$46,333
+HK$2,658/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,350/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,721
−HK$2,470/mo
▼ 0.25% · 3.875%
HK$46,947
−HK$1,244/mo
Today · 4.125%
HK$48,191
baseline
▲ 0.50% · 4.625%
HK$50,731
+HK$2,540/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,382/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,317
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,852
−HK$1,558/mo
Today · 4.125%
HK$52,410
baseline
▲ 0.50% · 4.625%
HK$55,599
+HK$3,189/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$104,820/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$675,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,865
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,337
−HK$1,492/mo
Today · 4.125%
HK$57,829
baseline
▲ 0.50% · 4.625%
HK$60,878
+HK$3,049/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$115,658/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$675,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,537
−HK$3,608/mo
▼ 0.25% · 3.875%
HK$59,327
−HK$1,818/mo
Today · 4.125%
HK$61,145
baseline
▲ 0.50% · 4.625%
HK$64,866
+HK$3,721/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$122,290/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,009
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,726
−HK$1,742/mo
Today · 4.125%
HK$67,468
baseline
▲ 0.50% · 4.625%
HK$71,024
+HK$3,556/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$134,936/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,976
−HK$4,639/mo
▼ 0.25% · 3.875%
HK$76,277
−HK$2,338/mo
Today · 4.125%
HK$78,615
baseline
▲ 0.50% · 4.625%
HK$83,399
+HK$4,784/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$157,230/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,877 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,298
−HK$4,446/mo
▼ 0.25% · 3.875%
HK$84,505
−HK$2,239/mo
Today · 4.125%
HK$86,744
baseline
▲ 0.50% · 4.625%
HK$91,317
+HK$4,573/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$173,488/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,877 · Scale 2, in force from 26 Feb 2026)