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$41,690
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,986
−HK$1,318/mo
Today · 4.125%
HK$44,304
baseline
▲ 0.50% · 4.625%
HK$47,000
+HK$2,696/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$88,608/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,379
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,623
−HK$1,262/mo
Today · 4.125%
HK$48,885
baseline
▲ 0.50% · 4.625%
HK$51,462
+HK$2,577/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$97,770/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,028
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,584
−HK$1,581/mo
Today · 4.125%
HK$53,165
baseline
▲ 0.50% · 4.625%
HK$56,400
+HK$3,235/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$106,330/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,655
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,148
−HK$1,514/mo
Today · 4.125%
HK$58,662
baseline
▲ 0.50% · 4.625%
HK$61,754
+HK$3,092/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$117,324/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,366
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,181
−HK$1,845/mo
Today · 4.125%
HK$62,026
baseline
▲ 0.50% · 4.625%
HK$65,800
+HK$3,774/mo
Deposit HK$5.48M · loan HK$12.80M · min. income ≈ HK$124,052/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,931
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,673
−HK$1,766/mo
Today · 4.125%
HK$68,439
baseline
▲ 0.50% · 4.625%
HK$72,047
+HK$3,608/mo
Deposit HK$5.48M · loan HK$12.80M · min. income ≈ HK$136,878/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,041
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$77,376
−HK$2,371/mo
Today · 4.125%
HK$79,747
baseline
▲ 0.50% · 4.625%
HK$84,600
+HK$4,853/mo
Deposit HK$1.83M · loan HK$16.45M · min. income ≈ HK$159,494/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,609 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,483
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$85,722
−HK$2,271/mo
Today · 4.125%
HK$87,993
baseline
▲ 0.50% · 4.625%
HK$92,631
+HK$4,638/mo
Deposit HK$1.83M · loan HK$16.45M · min. income ≈ HK$175,986/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,609 · Scale 2, in force from 26 Feb 2026)