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$41,697
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,994
−HK$1,317/mo
Today · 4.125%
HK$44,311
baseline
▲ 0.50% · 4.625%
HK$47,008
+HK$2,697/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$88,622/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,387
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,631
−HK$1,262/mo
Today · 4.125%
HK$48,893
baseline
▲ 0.50% · 4.625%
HK$51,470
+HK$2,577/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$97,786/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,036
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,592
−HK$1,582/mo
Today · 4.125%
HK$53,174
baseline
▲ 0.50% · 4.625%
HK$56,409
+HK$3,235/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$106,348/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,664
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,157
−HK$1,515/mo
Today · 4.125%
HK$58,672
baseline
▲ 0.50% · 4.625%
HK$61,765
+HK$3,093/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$117,344/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,375
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,191
−HK$1,845/mo
Today · 4.125%
HK$62,036
baseline
▲ 0.50% · 4.625%
HK$65,811
+HK$3,775/mo
Deposit HK$5.49M · loan HK$12.80M · min. income ≈ HK$124,072/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,942
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,684
−HK$1,766/mo
Today · 4.125%
HK$68,450
baseline
▲ 0.50% · 4.625%
HK$72,059
+HK$3,609/mo
Deposit HK$5.49M · loan HK$12.80M · min. income ≈ HK$136,900/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,054
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$77,388
−HK$2,372/mo
Today · 4.125%
HK$79,760
baseline
▲ 0.50% · 4.625%
HK$84,614
+HK$4,854/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$159,520/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,723 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,497
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$85,736
−HK$2,272/mo
Today · 4.125%
HK$88,008
baseline
▲ 0.50% · 4.625%
HK$92,647
+HK$4,639/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$176,016/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,723 · Scale 2, in force from 26 Feb 2026)