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$41,105
−HK$2,578/mo
▼ 0.25% · 3.875%
HK$42,384
−HK$1,299/mo
Today · 4.125%
HK$43,683
baseline
▲ 0.50% · 4.625%
HK$46,341
+HK$2,658/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$87,366/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,729
−HK$2,471/mo
▼ 0.25% · 3.875%
HK$46,956
−HK$1,244/mo
Today · 4.125%
HK$48,200
baseline
▲ 0.50% · 4.625%
HK$50,740
+HK$2,540/mo
Deposit HK$9.01M · loan HK$9.01M · min. income ≈ HK$96,400/mo (50% DSR)
Upfront cash ≈ HK$9.69M (deposit + AVD stamp duty HK$675,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,326
−HK$3,093/mo
▼ 0.25% · 3.875%
HK$50,861
−HK$1,558/mo
Today · 4.125%
HK$52,419
baseline
▲ 0.50% · 4.625%
HK$55,609
+HK$3,190/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$104,838/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$675,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,875
−HK$2,965/mo
▼ 0.25% · 3.875%
HK$56,347
−HK$1,493/mo
Today · 4.125%
HK$57,840
baseline
▲ 0.50% · 4.625%
HK$60,888
+HK$3,048/mo
Deposit HK$7.21M · loan HK$10.82M · min. income ≈ HK$115,680/mo (50% DSR)
Upfront cash ≈ HK$7.89M (deposit + AVD stamp duty HK$675,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,547
−HK$3,609/mo
▼ 0.25% · 3.875%
HK$59,337
−HK$1,819/mo
Today · 4.125%
HK$61,156
baseline
▲ 0.50% · 4.625%
HK$64,877
+HK$3,721/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$122,312/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,021
−HK$3,459/mo
▼ 0.25% · 3.875%
HK$65,738
−HK$1,742/mo
Today · 4.125%
HK$67,480
baseline
▲ 0.50% · 4.625%
HK$71,037
+HK$3,557/mo
Deposit HK$5.41M · loan HK$12.62M · min. income ≈ HK$134,960/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,989
−HK$4,640/mo
▼ 0.25% · 3.875%
HK$76,291
−HK$2,338/mo
Today · 4.125%
HK$78,629
baseline
▲ 0.50% · 4.625%
HK$83,413
+HK$4,784/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$157,258/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,996 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,312
−HK$4,447/mo
▼ 0.25% · 3.875%
HK$84,520
−HK$2,239/mo
Today · 4.125%
HK$86,759
baseline
▲ 0.50% · 4.625%
HK$91,333
+HK$4,574/mo
Deposit HK$1.80M · loan HK$16.22M · min. income ≈ HK$173,518/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,996 · Scale 2, in force from 26 Feb 2026)