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$41,655
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,951
−HK$1,316/mo
Today · 4.125%
HK$44,267
baseline
▲ 0.50% · 4.625%
HK$46,961
+HK$2,694/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$88,534/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,341
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,584
−HK$1,261/mo
Today · 4.125%
HK$48,845
baseline
▲ 0.50% · 4.625%
HK$51,419
+HK$2,574/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$97,690/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,986
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$51,541
−HK$1,580/mo
Today · 4.125%
HK$53,121
baseline
▲ 0.50% · 4.625%
HK$56,353
+HK$3,232/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$106,242/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$685,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,609
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,101
−HK$1,513/mo
Today · 4.125%
HK$58,614
baseline
▲ 0.50% · 4.625%
HK$61,703
+HK$3,089/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$117,228/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$685,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,317
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$60,131
−HK$1,843/mo
Today · 4.125%
HK$61,974
baseline
▲ 0.50% · 4.625%
HK$65,745
+HK$3,771/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$123,948/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,877
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,617
−HK$1,766/mo
Today · 4.125%
HK$68,383
baseline
▲ 0.50% · 4.625%
HK$71,987
+HK$3,604/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$136,766/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,979
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$77,312
−HK$2,369/mo
Today · 4.125%
HK$79,681
baseline
▲ 0.50% · 4.625%
HK$84,530
+HK$4,849/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$159,362/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,042 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,414
−HK$4,506/mo
▼ 0.25% · 3.875%
HK$85,651
−HK$2,269/mo
Today · 4.125%
HK$87,920
baseline
▲ 0.50% · 4.625%
HK$92,555
+HK$4,635/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$175,840/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,042 · Scale 2, in force from 26 Feb 2026)