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$41,672
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,968
−HK$1,317/mo
Today · 4.125%
HK$44,285
baseline
▲ 0.50% · 4.625%
HK$46,980
+HK$2,695/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$88,570/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,359
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,603
−HK$1,261/mo
Today · 4.125%
HK$48,864
baseline
▲ 0.50% · 4.625%
HK$51,440
+HK$2,576/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$97,728/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,006
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$51,562
−HK$1,580/mo
Today · 4.125%
HK$53,142
baseline
▲ 0.50% · 4.625%
HK$56,375
+HK$3,233/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$106,284/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,631
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,123
−HK$1,514/mo
Today · 4.125%
HK$58,637
baseline
▲ 0.50% · 4.625%
HK$61,728
+HK$3,091/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$117,274/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,340
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,155
−HK$1,844/mo
Today · 4.125%
HK$61,999
baseline
▲ 0.50% · 4.625%
HK$65,771
+HK$3,772/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$123,998/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,903
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,644
−HK$1,766/mo
Today · 4.125%
HK$68,410
baseline
▲ 0.50% · 4.625%
HK$72,016
+HK$3,606/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$136,820/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,009
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$77,342
−HK$2,371/mo
Today · 4.125%
HK$79,713
baseline
▲ 0.50% · 4.625%
HK$84,563
+HK$4,850/mo
Deposit HK$1.83M · loan HK$16.45M · min. income ≈ HK$159,426/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,314 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,447
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$85,685
−HK$2,270/mo
Today · 4.125%
HK$87,955
baseline
▲ 0.50% · 4.625%
HK$92,592
+HK$4,637/mo
Deposit HK$1.83M · loan HK$16.45M · min. income ≈ HK$175,910/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,314 · Scale 2, in force from 26 Feb 2026)