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$41,678
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,975
−HK$1,317/mo
Today · 4.125%
HK$44,292
baseline
▲ 0.50% · 4.625%
HK$46,987
+HK$2,695/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$88,584/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,367
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,610
−HK$1,262/mo
Today · 4.125%
HK$48,872
baseline
▲ 0.50% · 4.625%
HK$51,448
+HK$2,576/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$97,744/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,014
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$51,570
−HK$1,580/mo
Today · 4.125%
HK$53,150
baseline
▲ 0.50% · 4.625%
HK$56,385
+HK$3,235/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$106,300/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,640
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,132
−HK$1,514/mo
Today · 4.125%
HK$58,646
baseline
▲ 0.50% · 4.625%
HK$61,738
+HK$3,092/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$117,292/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,350
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,165
−HK$1,844/mo
Today · 4.125%
HK$62,009
baseline
▲ 0.50% · 4.625%
HK$65,782
+HK$3,773/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$124,018/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,914
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,654
−HK$1,767/mo
Today · 4.125%
HK$68,421
baseline
▲ 0.50% · 4.625%
HK$72,027
+HK$3,606/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$136,842/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,021
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$77,355
−HK$2,371/mo
Today · 4.125%
HK$79,726
baseline
▲ 0.50% · 4.625%
HK$84,577
+HK$4,851/mo
Deposit HK$1.83M · loan HK$16.45M · min. income ≈ HK$159,452/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,424 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,460
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$85,699
−HK$2,270/mo
Today · 4.125%
HK$87,969
baseline
▲ 0.50% · 4.625%
HK$92,606
+HK$4,637/mo
Deposit HK$1.83M · loan HK$16.45M · min. income ≈ HK$175,938/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,424 · Scale 2, in force from 26 Feb 2026)