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$46,303
+HK$2,655/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$675,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$45,692
−HK$2,469/mo
▼ 0.25% · 3.875%
HK$46,918
−HK$1,243/mo
Today · 4.125%
HK$48,161
baseline
▲ 0.50% · 4.625%
HK$50,699
+HK$2,538/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$675,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,286
−HK$3,091/mo
▼ 0.25% · 3.875%
HK$50,819
−HK$1,558/mo
Today · 4.125%
HK$52,377
baseline
▲ 0.50% · 4.625%
HK$55,564
+HK$3,187/mo
Deposit HK$7.20M · loan HK$10.81M · min. income ≈ HK$104,754/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$54,831
−HK$2,962/mo
▼ 0.25% · 3.875%
HK$56,301
−HK$1,492/mo
Today · 4.125%
HK$57,793
baseline
▲ 0.50% · 4.625%
HK$60,839
+HK$3,046/mo
Deposit HK$7.20M · loan HK$10.81M · min. income ≈ HK$115,586/mo (50% DSR)
Upfront cash ≈ HK$7.88M (deposit + AVD stamp duty HK$675,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$57,501
−HK$3,606/mo
▼ 0.25% · 3.875%
HK$59,289
−HK$1,818/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$675,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$63,969
−HK$3,456/mo
▼ 0.25% · 3.875%
HK$65,685
−HK$1,740/mo
Today · 4.125%
HK$67,425
baseline
▲ 0.50% · 4.625%
HK$70,979
+HK$3,554/mo
Deposit HK$5.40M · loan HK$12.61M · min. income ≈ HK$134,850/mo (50% DSR)
Upfront cash ≈ HK$6.08M (deposit + AVD stamp duty HK$675,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$73,930
−HK$4,636/mo
▼ 0.25% · 3.875%
HK$76,229
−HK$2,337/mo
Today · 4.125%
HK$78,566
baseline
▲ 0.50% · 4.625%
HK$83,346
+HK$4,780/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$675,450 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$82,246
−HK$4,443/mo
▼ 0.25% · 3.875%
HK$84,452
−HK$2,237/mo
Today · 4.125%
HK$86,689
baseline
▲ 0.50% · 4.625%
HK$91,259
+HK$4,570/mo
Deposit HK$1.80M · loan HK$16.21M · min. income ≈ HK$173,378/mo (50% DSR)
Upfront cash ≈ HK$2.48M (deposit + AVD stamp duty HK$675,450 · Scale 2, in force from 26 Feb 2026)