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$47,015
+HK$2,697/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$685,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,394
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,639
−HK$1,262/mo
Today · 4.125%
HK$48,901
baseline
▲ 0.50% · 4.625%
HK$51,479
+HK$2,578/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$97,802/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,044
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,601
−HK$1,581/mo
Today · 4.125%
HK$53,182
baseline
▲ 0.50% · 4.625%
HK$56,418
+HK$3,236/mo
Deposit HK$7.32M · loan HK$10.97M · min. income ≈ HK$106,364/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,673
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,166
−HK$1,515/mo
Today · 4.125%
HK$58,681
baseline
▲ 0.50% · 4.625%
HK$61,774
+HK$3,093/mo
Deposit HK$7.32M · loan HK$10.97M · min. income ≈ HK$117,362/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,385
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,201
−HK$1,845/mo
Today · 4.125%
HK$62,046
baseline
▲ 0.50% · 4.625%
HK$65,821
+HK$3,775/mo
Deposit HK$5.49M · loan HK$12.80M · min. income ≈ HK$124,092/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,952
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,694
−HK$1,767/mo
Today · 4.125%
HK$68,461
baseline
▲ 0.50% · 4.625%
HK$72,070
+HK$3,609/mo
Deposit HK$5.49M · loan HK$12.80M · min. income ≈ HK$136,922/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,066
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$77,401
−HK$2,372/mo
Today · 4.125%
HK$79,773
baseline
▲ 0.50% · 4.625%
HK$84,627
+HK$4,854/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$159,546/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,832 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,510
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$85,750
−HK$2,272/mo
Today · 4.125%
HK$88,022
baseline
▲ 0.50% · 4.625%
HK$92,662
+HK$4,640/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$176,044/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,832 · Scale 2, in force from 26 Feb 2026)