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$41,087
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,365
−HK$1,298/mo
Today · 4.125%
HK$43,663
baseline
▲ 0.50% · 4.625%
HK$46,320
+HK$2,657/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,326/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,709
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,935
−HK$1,243/mo
Today · 4.125%
HK$48,178
baseline
▲ 0.50% · 4.625%
HK$50,718
+HK$2,540/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,356/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,304
−HK$3,092/mo
▼ 0.25% · 3.875%
HK$50,838
−HK$1,558/mo
Today · 4.125%
HK$52,396
baseline
▲ 0.50% · 4.625%
HK$55,584
+HK$3,188/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$104,792/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,850
−HK$2,964/mo
▼ 0.25% · 3.875%
HK$56,321
−HK$1,493/mo
Today · 4.125%
HK$57,814
baseline
▲ 0.50% · 4.625%
HK$60,861
+HK$3,047/mo
Deposit HK$7.21M · loan HK$10.81M · min. income ≈ HK$115,628/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,522
−HK$3,607/mo
▼ 0.25% · 3.875%
HK$59,311
−HK$1,818/mo
Today · 4.125%
HK$61,129
baseline
▲ 0.50% · 4.625%
HK$64,848
+HK$3,719/mo
Deposit HK$5.41M · loan HK$12.61M · min. income ≈ HK$122,258/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,992
−HK$3,457/mo
▼ 0.25% · 3.875%
HK$65,708
−HK$1,741/mo
Today · 4.125%
HK$67,449
baseline
▲ 0.50% · 4.625%
HK$71,005
+HK$3,556/mo
Deposit HK$5.41M · loan HK$12.61M · min. income ≈ HK$134,898/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,956
−HK$4,638/mo
▼ 0.25% · 3.875%
HK$76,257
−HK$2,337/mo
Today · 4.125%
HK$78,594
baseline
▲ 0.50% · 4.625%
HK$83,376
+HK$4,782/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$157,188/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,694 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,276
−HK$4,445/mo
▼ 0.25% · 3.875%
HK$84,482
−HK$2,239/mo
Today · 4.125%
HK$86,721
baseline
▲ 0.50% · 4.625%
HK$91,292
+HK$4,571/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$173,442/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,694 · Scale 2, in force from 26 Feb 2026)