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$41,663
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,959
−HK$1,317/mo
Today · 4.125%
HK$44,276
baseline
▲ 0.50% · 4.625%
HK$46,970
+HK$2,694/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$88,552/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,350
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,593
−HK$1,261/mo
Today · 4.125%
HK$48,854
baseline
▲ 0.50% · 4.625%
HK$51,429
+HK$2,575/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$97,708/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,996
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$51,551
−HK$1,580/mo
Today · 4.125%
HK$53,131
baseline
▲ 0.50% · 4.625%
HK$56,364
+HK$3,233/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$106,262/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$685,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,620
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,111
−HK$1,514/mo
Today · 4.125%
HK$58,625
baseline
▲ 0.50% · 4.625%
HK$61,715
+HK$3,090/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$117,250/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$685,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,328
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,143
−HK$1,843/mo
Today · 4.125%
HK$61,986
baseline
▲ 0.50% · 4.625%
HK$65,758
+HK$3,772/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$123,972/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,890
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,630
−HK$1,766/mo
Today · 4.125%
HK$68,396
baseline
▲ 0.50% · 4.625%
HK$72,001
+HK$3,605/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$136,792/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,994
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$77,326
−HK$2,370/mo
Today · 4.125%
HK$79,696
baseline
▲ 0.50% · 4.625%
HK$84,546
+HK$4,850/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$159,392/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,172 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,430
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$85,667
−HK$2,270/mo
Today · 4.125%
HK$87,937
baseline
▲ 0.50% · 4.625%
HK$92,572
+HK$4,635/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$175,874/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,172 · Scale 2, in force from 26 Feb 2026)