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$41,709
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$43,006
−HK$1,318/mo
Today · 4.125%
HK$44,324
baseline
▲ 0.50% · 4.625%
HK$47,021
+HK$2,697/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$88,648/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,400
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,645
−HK$1,262/mo
Today · 4.125%
HK$48,907
baseline
▲ 0.50% · 4.625%
HK$51,485
+HK$2,578/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$97,814/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,050
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,607
−HK$1,582/mo
Today · 4.125%
HK$53,189
baseline
▲ 0.50% · 4.625%
HK$56,425
+HK$3,236/mo
Deposit HK$7.32M · loan HK$10.97M · min. income ≈ HK$106,378/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,680
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,174
−HK$1,515/mo
Today · 4.125%
HK$58,689
baseline
▲ 0.50% · 4.625%
HK$61,782
+HK$3,093/mo
Deposit HK$7.32M · loan HK$10.97M · min. income ≈ HK$117,378/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,392
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,208
−HK$1,846/mo
Today · 4.125%
HK$62,054
baseline
▲ 0.50% · 4.625%
HK$65,830
+HK$3,776/mo
Deposit HK$5.49M · loan HK$12.80M · min. income ≈ HK$124,108/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,961
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,703
−HK$1,767/mo
Today · 4.125%
HK$68,470
baseline
▲ 0.50% · 4.625%
HK$72,079
+HK$3,609/mo
Deposit HK$5.49M · loan HK$12.80M · min. income ≈ HK$136,940/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,075
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$77,411
−HK$2,372/mo
Today · 4.125%
HK$79,783
baseline
▲ 0.50% · 4.625%
HK$84,638
+HK$4,855/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$159,566/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$685,920 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,521
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$85,761
−HK$2,272/mo
Today · 4.125%
HK$88,033
baseline
▲ 0.50% · 4.625%
HK$92,673
+HK$4,640/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$176,066/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$685,920 · Scale 2, in force from 26 Feb 2026)