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$41,667
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,963
−HK$1,317/mo
Today · 4.125%
HK$44,280
baseline
▲ 0.50% · 4.625%
HK$46,974
+HK$2,694/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$88,560/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,354
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,597
−HK$1,261/mo
Today · 4.125%
HK$48,858
baseline
▲ 0.50% · 4.625%
HK$51,434
+HK$2,576/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$97,716/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,000
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$51,556
−HK$1,580/mo
Today · 4.125%
HK$53,136
baseline
▲ 0.50% · 4.625%
HK$56,369
+HK$3,233/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$106,272/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$685,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,625
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,117
−HK$1,513/mo
Today · 4.125%
HK$58,630
baseline
▲ 0.50% · 4.625%
HK$61,721
+HK$3,091/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$117,260/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$685,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,334
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,148
−HK$1,844/mo
Today · 4.125%
HK$61,992
baseline
▲ 0.50% · 4.625%
HK$65,764
+HK$3,772/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$123,984/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,896
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,636
−HK$1,766/mo
Today · 4.125%
HK$68,402
baseline
▲ 0.50% · 4.625%
HK$72,007
+HK$3,605/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$136,804/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,000
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$77,333
−HK$2,371/mo
Today · 4.125%
HK$79,704
baseline
▲ 0.50% · 4.625%
HK$84,553
+HK$4,849/mo
Deposit HK$1.83M · loan HK$16.45M · min. income ≈ HK$159,408/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,235 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,437
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$85,675
−HK$2,270/mo
Today · 4.125%
HK$87,945
baseline
▲ 0.50% · 4.625%
HK$92,581
+HK$4,636/mo
Deposit HK$1.83M · loan HK$16.45M · min. income ≈ HK$175,890/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,235 · Scale 2, in force from 26 Feb 2026)