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$41,696
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$42,993
−HK$1,318/mo
Today · 4.125%
HK$44,311
baseline
▲ 0.50% · 4.625%
HK$47,007
+HK$2,696/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$88,622/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,387
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,631
−HK$1,262/mo
Today · 4.125%
HK$48,893
baseline
▲ 0.50% · 4.625%
HK$51,470
+HK$2,577/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$97,786/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,035
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,592
−HK$1,581/mo
Today · 4.125%
HK$53,173
baseline
▲ 0.50% · 4.625%
HK$56,409
+HK$3,236/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$106,346/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,664
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,157
−HK$1,514/mo
Today · 4.125%
HK$58,671
baseline
▲ 0.50% · 4.625%
HK$61,764
+HK$3,093/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$117,342/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,375
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,190
−HK$1,845/mo
Today · 4.125%
HK$62,035
baseline
▲ 0.50% · 4.625%
HK$65,810
+HK$3,775/mo
Deposit HK$5.49M · loan HK$12.80M · min. income ≈ HK$124,070/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,941
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,683
−HK$1,767/mo
Today · 4.125%
HK$68,450
baseline
▲ 0.50% · 4.625%
HK$72,058
+HK$3,608/mo
Deposit HK$5.49M · loan HK$12.80M · min. income ≈ HK$136,900/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,053
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$77,388
−HK$2,372/mo
Today · 4.125%
HK$79,760
baseline
▲ 0.50% · 4.625%
HK$84,613
+HK$4,853/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$159,520/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,716 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,496
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$85,735
−HK$2,272/mo
Today · 4.125%
HK$88,007
baseline
▲ 0.50% · 4.625%
HK$92,646
+HK$4,639/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$176,014/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,716 · Scale 2, in force from 26 Feb 2026)