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$41,666
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,962
−HK$1,317/mo
Today · 4.125%
HK$44,279
baseline
▲ 0.50% · 4.625%
HK$46,973
+HK$2,694/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$88,558/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,353
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,596
−HK$1,261/mo
Today · 4.125%
HK$48,857
baseline
▲ 0.50% · 4.625%
HK$51,433
+HK$2,576/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$97,714/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,999
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$51,555
−HK$1,580/mo
Today · 4.125%
HK$53,135
baseline
▲ 0.50% · 4.625%
HK$56,368
+HK$3,233/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$106,270/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$685,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,624
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,116
−HK$1,513/mo
Today · 4.125%
HK$58,629
baseline
▲ 0.50% · 4.625%
HK$61,719
+HK$3,090/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$117,258/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$685,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,333
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,147
−HK$1,844/mo
Today · 4.125%
HK$61,991
baseline
▲ 0.50% · 4.625%
HK$65,763
+HK$3,772/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$123,982/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,894
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,635
−HK$1,765/mo
Today · 4.125%
HK$68,400
baseline
▲ 0.50% · 4.625%
HK$72,006
+HK$3,606/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$136,800/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,999
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$77,332
−HK$2,370/mo
Today · 4.125%
HK$79,702
baseline
▲ 0.50% · 4.625%
HK$84,552
+HK$4,850/mo
Deposit HK$1.83M · loan HK$16.45M · min. income ≈ HK$159,404/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,222 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,436
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$85,673
−HK$2,270/mo
Today · 4.125%
HK$87,943
baseline
▲ 0.50% · 4.625%
HK$92,579
+HK$4,636/mo
Deposit HK$1.83M · loan HK$16.45M · min. income ≈ HK$175,886/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,222 · Scale 2, in force from 26 Feb 2026)