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$41,689
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$42,986
−HK$1,318/mo
Today · 4.125%
HK$44,304
baseline
▲ 0.50% · 4.625%
HK$46,999
+HK$2,695/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$88,608/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,379
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,623
−HK$1,262/mo
Today · 4.125%
HK$48,885
baseline
▲ 0.50% · 4.625%
HK$51,461
+HK$2,576/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$97,770/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,027
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,583
−HK$1,581/mo
Today · 4.125%
HK$53,164
baseline
▲ 0.50% · 4.625%
HK$56,399
+HK$3,235/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$106,328/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,655
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,147
−HK$1,514/mo
Today · 4.125%
HK$58,661
baseline
▲ 0.50% · 4.625%
HK$61,754
+HK$3,093/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$117,322/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,365
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,180
−HK$1,845/mo
Today · 4.125%
HK$62,025
baseline
▲ 0.50% · 4.625%
HK$65,799
+HK$3,774/mo
Deposit HK$5.48M · loan HK$12.80M · min. income ≈ HK$124,050/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,930
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,672
−HK$1,766/mo
Today · 4.125%
HK$68,438
baseline
▲ 0.50% · 4.625%
HK$72,046
+HK$3,608/mo
Deposit HK$5.48M · loan HK$12.80M · min. income ≈ HK$136,876/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,041
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$77,375
−HK$2,371/mo
Today · 4.125%
HK$79,746
baseline
▲ 0.50% · 4.625%
HK$84,599
+HK$4,853/mo
Deposit HK$1.83M · loan HK$16.45M · min. income ≈ HK$159,492/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,602 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,482
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$85,721
−HK$2,271/mo
Today · 4.125%
HK$87,992
baseline
▲ 0.50% · 4.625%
HK$92,630
+HK$4,638/mo
Deposit HK$1.83M · loan HK$16.45M · min. income ≈ HK$175,984/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,602 · Scale 2, in force from 26 Feb 2026)