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$41,684
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,981
−HK$1,317/mo
Today · 4.125%
HK$44,298
baseline
▲ 0.50% · 4.625%
HK$46,994
+HK$2,696/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$88,596/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,373
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,617
−HK$1,262/mo
Today · 4.125%
HK$48,879
baseline
▲ 0.50% · 4.625%
HK$51,455
+HK$2,576/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$97,758/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,021
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,577
−HK$1,581/mo
Today · 4.125%
HK$53,158
baseline
▲ 0.50% · 4.625%
HK$56,392
+HK$3,234/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$106,316/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,648
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,140
−HK$1,515/mo
Today · 4.125%
HK$58,655
baseline
▲ 0.50% · 4.625%
HK$61,746
+HK$3,091/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$117,310/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,358
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,173
−HK$1,845/mo
Today · 4.125%
HK$62,018
baseline
▲ 0.50% · 4.625%
HK$65,791
+HK$3,773/mo
Deposit HK$5.48M · loan HK$12.80M · min. income ≈ HK$124,036/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,923
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,664
−HK$1,766/mo
Today · 4.125%
HK$68,430
baseline
▲ 0.50% · 4.625%
HK$72,037
+HK$3,607/mo
Deposit HK$5.48M · loan HK$12.80M · min. income ≈ HK$136,860/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,032
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$77,366
−HK$2,371/mo
Today · 4.125%
HK$79,737
baseline
▲ 0.50% · 4.625%
HK$84,589
+HK$4,852/mo
Deposit HK$1.83M · loan HK$16.45M · min. income ≈ HK$159,474/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,520 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,472
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$85,711
−HK$2,271/mo
Today · 4.125%
HK$87,982
baseline
▲ 0.50% · 4.625%
HK$92,619
+HK$4,637/mo
Deposit HK$1.83M · loan HK$16.45M · min. income ≈ HK$175,964/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,520 · Scale 2, in force from 26 Feb 2026)