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$41,707
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,005
−HK$1,318/mo
Today · 4.125%
HK$44,323
baseline
▲ 0.50% · 4.625%
HK$47,020
+HK$2,697/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$88,646/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,399
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,643
−HK$1,263/mo
Today · 4.125%
HK$48,906
baseline
▲ 0.50% · 4.625%
HK$51,484
+HK$2,578/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$97,812/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,049
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,606
−HK$1,581/mo
Today · 4.125%
HK$53,187
baseline
▲ 0.50% · 4.625%
HK$56,424
+HK$3,237/mo
Deposit HK$7.32M · loan HK$10.97M · min. income ≈ HK$106,374/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,679
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,172
−HK$1,515/mo
Today · 4.125%
HK$58,687
baseline
▲ 0.50% · 4.625%
HK$61,780
+HK$3,093/mo
Deposit HK$7.32M · loan HK$10.97M · min. income ≈ HK$117,374/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,390
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,206
−HK$1,846/mo
Today · 4.125%
HK$62,052
baseline
▲ 0.50% · 4.625%
HK$65,828
+HK$3,776/mo
Deposit HK$5.49M · loan HK$12.80M · min. income ≈ HK$124,104/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,959
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,701
−HK$1,767/mo
Today · 4.125%
HK$68,468
baseline
▲ 0.50% · 4.625%
HK$72,077
+HK$3,609/mo
Deposit HK$5.49M · loan HK$12.80M · min. income ≈ HK$136,936/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,073
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$77,408
−HK$2,373/mo
Today · 4.125%
HK$79,781
baseline
▲ 0.50% · 4.625%
HK$84,635
+HK$4,854/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$159,562/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,899 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,518
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$85,758
−HK$2,272/mo
Today · 4.125%
HK$88,030
baseline
▲ 0.50% · 4.625%
HK$92,671
+HK$4,641/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$176,060/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,899 · Scale 2, in force from 26 Feb 2026)