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$41,704
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$43,001
−HK$1,318/mo
Today · 4.125%
HK$44,319
baseline
▲ 0.50% · 4.625%
HK$47,016
+HK$2,697/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$88,638/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,395
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,639
−HK$1,263/mo
Today · 4.125%
HK$48,902
baseline
▲ 0.50% · 4.625%
HK$51,479
+HK$2,577/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$97,804/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,044
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,601
−HK$1,582/mo
Today · 4.125%
HK$53,183
baseline
▲ 0.50% · 4.625%
HK$56,419
+HK$3,236/mo
Deposit HK$7.32M · loan HK$10.97M · min. income ≈ HK$106,366/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,674
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,167
−HK$1,515/mo
Today · 4.125%
HK$58,682
baseline
▲ 0.50% · 4.625%
HK$61,775
+HK$3,093/mo
Deposit HK$7.32M · loan HK$10.97M · min. income ≈ HK$117,364/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,839 · 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$65,822
+HK$3,776/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$685,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,953
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,695
−HK$1,767/mo
Today · 4.125%
HK$68,462
baseline
▲ 0.50% · 4.625%
HK$72,071
+HK$3,609/mo
Deposit HK$5.49M · loan HK$12.80M · min. income ≈ HK$136,924/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,067
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$77,402
−HK$2,372/mo
Today · 4.125%
HK$79,774
baseline
▲ 0.50% · 4.625%
HK$84,628
+HK$4,854/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$159,548/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,839 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,511
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$85,751
−HK$2,272/mo
Today · 4.125%
HK$88,023
baseline
▲ 0.50% · 4.625%
HK$92,663
+HK$4,640/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$176,046/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,839 · Scale 2, in force from 26 Feb 2026)