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$41,072
−HK$2,576/mo
▼ 0.25% · 3.875%
HK$42,350
−HK$1,298/mo
Today · 4.125%
HK$43,648
baseline
▲ 0.50% · 4.625%
HK$46,304
+HK$2,656/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,296/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,693
−HK$2,468/mo
▼ 0.25% · 3.875%
HK$46,918
−HK$1,243/mo
Today · 4.125%
HK$48,161
baseline
▲ 0.50% · 4.625%
HK$50,700
+HK$2,539/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,322/mo (50% DSR)
Upfront cash ≈ HK$9.68M (deposit + AVD stamp duty HK$675,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,287
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,820
−HK$1,558/mo
Today · 4.125%
HK$52,378
baseline
▲ 0.50% · 4.625%
HK$55,565
+HK$3,187/mo
Deposit HK$7.20M · loan HK$10.81M · min. income ≈ HK$104,756/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,831
−HK$2,963/mo
▼ 0.25% · 3.875%
HK$56,302
−HK$1,492/mo
Today · 4.125%
HK$57,794
baseline
▲ 0.50% · 4.625%
HK$60,840
+HK$3,046/mo
Deposit HK$7.20M · loan HK$10.81M · min. income ≈ HK$115,588/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,501
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,290
−HK$1,817/mo
Today · 4.125%
HK$61,107
baseline
▲ 0.50% · 4.625%
HK$64,825
+HK$3,718/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$122,214/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,970
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,685
−HK$1,741/mo
Today · 4.125%
HK$67,426
baseline
▲ 0.50% · 4.625%
HK$70,980
+HK$3,554/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$134,852/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,930
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$76,230
−HK$2,336/mo
Today · 4.125%
HK$78,566
baseline
▲ 0.50% · 4.625%
HK$83,347
+HK$4,781/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$157,132/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,457 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,247
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$84,453
−HK$2,237/mo
Today · 4.125%
HK$86,690
baseline
▲ 0.50% · 4.625%
HK$91,260
+HK$4,570/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$173,380/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,457 · Scale 2, in force from 26 Feb 2026)