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$41,657
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,953
−HK$1,316/mo
Today · 4.125%
HK$44,269
baseline
▲ 0.50% · 4.625%
HK$46,963
+HK$2,694/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$88,538/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,343
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,586
−HK$1,261/mo
Today · 4.125%
HK$48,847
baseline
▲ 0.50% · 4.625%
HK$51,422
+HK$2,575/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$97,694/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,988
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$51,543
−HK$1,580/mo
Today · 4.125%
HK$53,123
baseline
▲ 0.50% · 4.625%
HK$56,356
+HK$3,233/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$106,246/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$685,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,612
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,103
−HK$1,513/mo
Today · 4.125%
HK$58,616
baseline
▲ 0.50% · 4.625%
HK$61,706
+HK$3,090/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$117,232/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$685,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,320
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$60,134
−HK$1,843/mo
Today · 4.125%
HK$61,977
baseline
▲ 0.50% · 4.625%
HK$65,748
+HK$3,771/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$123,954/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,880
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,620
−HK$1,766/mo
Today · 4.125%
HK$68,386
baseline
▲ 0.50% · 4.625%
HK$71,990
+HK$3,604/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$136,772/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,983
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$77,315
−HK$2,370/mo
Today · 4.125%
HK$79,685
baseline
▲ 0.50% · 4.625%
HK$84,533
+HK$4,848/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$159,370/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,073 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,418
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$85,655
−HK$2,269/mo
Today · 4.125%
HK$87,924
baseline
▲ 0.50% · 4.625%
HK$92,559
+HK$4,635/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$175,848/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,073 · Scale 2, in force from 26 Feb 2026)