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$41,708
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$43,005
−HK$1,318/mo
Today · 4.125%
HK$44,323
baseline
▲ 0.50% · 4.625%
HK$47,020
+HK$2,697/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$88,646/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,400
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,644
−HK$1,263/mo
Today · 4.125%
HK$48,907
baseline
▲ 0.50% · 4.625%
HK$51,484
+HK$2,577/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$97,814/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,050
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,606
−HK$1,582/mo
Today · 4.125%
HK$53,188
baseline
▲ 0.50% · 4.625%
HK$56,425
+HK$3,237/mo
Deposit HK$7.32M · loan HK$10.97M · min. income ≈ HK$106,376/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,680
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,173
−HK$1,515/mo
Today · 4.125%
HK$58,688
baseline
▲ 0.50% · 4.625%
HK$61,781
+HK$3,093/mo
Deposit HK$7.32M · loan HK$10.97M · min. income ≈ HK$117,376/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,391
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,207
−HK$1,846/mo
Today · 4.125%
HK$62,053
baseline
▲ 0.50% · 4.625%
HK$65,829
+HK$3,776/mo
Deposit HK$5.49M · loan HK$12.80M · min. income ≈ HK$124,106/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,960
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,702
−HK$1,767/mo
Today · 4.125%
HK$68,469
baseline
▲ 0.50% · 4.625%
HK$72,078
+HK$3,609/mo
Deposit HK$5.49M · loan HK$12.80M · min. income ≈ HK$136,938/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,074
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$77,410
−HK$2,372/mo
Today · 4.125%
HK$79,782
baseline
▲ 0.50% · 4.625%
HK$84,637
+HK$4,855/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$159,564/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$685,910 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,520
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$85,759
−HK$2,273/mo
Today · 4.125%
HK$88,032
baseline
▲ 0.50% · 4.625%
HK$92,672
+HK$4,640/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$176,064/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$685,910 · Scale 2, in force from 26 Feb 2026)