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$41,678
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,974
−HK$1,317/mo
Today · 4.125%
HK$44,291
baseline
▲ 0.50% · 4.625%
HK$46,986
+HK$2,695/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$88,582/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,366
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,610
−HK$1,261/mo
Today · 4.125%
HK$48,871
baseline
▲ 0.50% · 4.625%
HK$51,447
+HK$2,576/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$97,742/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,013
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,569
−HK$1,581/mo
Today · 4.125%
HK$53,150
baseline
▲ 0.50% · 4.625%
HK$56,384
+HK$3,234/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$106,300/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,639
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,132
−HK$1,513/mo
Today · 4.125%
HK$58,645
baseline
▲ 0.50% · 4.625%
HK$61,737
+HK$3,092/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$117,290/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,349
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,164
−HK$1,844/mo
Today · 4.125%
HK$62,008
baseline
▲ 0.50% · 4.625%
HK$65,781
+HK$3,773/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$124,016/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,913
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,654
−HK$1,766/mo
Today · 4.125%
HK$68,420
baseline
▲ 0.50% · 4.625%
HK$72,026
+HK$3,606/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$136,840/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,020
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$77,354
−HK$2,371/mo
Today · 4.125%
HK$79,725
baseline
▲ 0.50% · 4.625%
HK$84,576
+HK$4,851/mo
Deposit HK$1.83M · loan HK$16.45M · min. income ≈ HK$159,450/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,415 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,459
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$85,698
−HK$2,270/mo
Today · 4.125%
HK$87,968
baseline
▲ 0.50% · 4.625%
HK$92,605
+HK$4,637/mo
Deposit HK$1.83M · loan HK$16.45M · min. income ≈ HK$175,936/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,415 · Scale 2, in force from 26 Feb 2026)