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$41,703
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$43,000
−HK$1,318/mo
Today · 4.125%
HK$44,318
baseline
▲ 0.50% · 4.625%
HK$47,014
+HK$2,696/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$88,636/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,394
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,638
−HK$1,262/mo
Today · 4.125%
HK$48,900
baseline
▲ 0.50% · 4.625%
HK$51,478
+HK$2,578/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$97,800/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,043
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,600
−HK$1,581/mo
Today · 4.125%
HK$53,181
baseline
▲ 0.50% · 4.625%
HK$56,417
+HK$3,236/mo
Deposit HK$7.32M · loan HK$10.97M · min. income ≈ HK$106,362/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,673
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,166
−HK$1,514/mo
Today · 4.125%
HK$58,680
baseline
▲ 0.50% · 4.625%
HK$61,773
+HK$3,093/mo
Deposit HK$7.32M · loan HK$10.97M · min. income ≈ HK$117,360/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,384
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,200
−HK$1,845/mo
Today · 4.125%
HK$62,045
baseline
▲ 0.50% · 4.625%
HK$65,820
+HK$3,775/mo
Deposit HK$5.49M · loan HK$12.80M · min. income ≈ HK$124,090/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,951
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,693
−HK$1,767/mo
Today · 4.125%
HK$68,460
baseline
▲ 0.50% · 4.625%
HK$72,069
+HK$3,609/mo
Deposit HK$5.49M · loan HK$12.80M · min. income ≈ HK$136,920/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,065
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$77,400
−HK$2,372/mo
Today · 4.125%
HK$79,772
baseline
▲ 0.50% · 4.625%
HK$84,626
+HK$4,854/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$159,544/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,822 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,509
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$85,748
−HK$2,273/mo
Today · 4.125%
HK$88,021
baseline
▲ 0.50% · 4.625%
HK$92,660
+HK$4,639/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$176,042/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,822 · Scale 2, in force from 26 Feb 2026)