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$41,664
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,960
−HK$1,317/mo
Today · 4.125%
HK$44,277
baseline
▲ 0.50% · 4.625%
HK$46,971
+HK$2,694/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$88,554/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,351
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,594
−HK$1,261/mo
Today · 4.125%
HK$48,855
baseline
▲ 0.50% · 4.625%
HK$51,430
+HK$2,575/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$97,710/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,997
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$51,552
−HK$1,580/mo
Today · 4.125%
HK$53,132
baseline
▲ 0.50% · 4.625%
HK$56,365
+HK$3,233/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$106,264/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$685,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,621
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,113
−HK$1,513/mo
Today · 4.125%
HK$58,626
baseline
▲ 0.50% · 4.625%
HK$61,717
+HK$3,091/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$117,252/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$685,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,330
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,144
−HK$1,844/mo
Today · 4.125%
HK$61,988
baseline
▲ 0.50% · 4.625%
HK$65,760
+HK$3,772/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$123,976/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,891
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,632
−HK$1,765/mo
Today · 4.125%
HK$68,397
baseline
▲ 0.50% · 4.625%
HK$72,003
+HK$3,606/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$136,794/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,996
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$77,328
−HK$2,371/mo
Today · 4.125%
HK$79,699
baseline
▲ 0.50% · 4.625%
HK$84,548
+HK$4,849/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$159,398/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,191 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,432
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$85,670
−HK$2,269/mo
Today · 4.125%
HK$87,939
baseline
▲ 0.50% · 4.625%
HK$92,575
+HK$4,636/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$175,878/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,191 · Scale 2, in force from 26 Feb 2026)