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$41,709
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,007
−HK$1,318/mo
Today · 4.125%
HK$44,325
baseline
▲ 0.50% · 4.625%
HK$47,022
+HK$2,697/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$88,650/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,401
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,646
−HK$1,262/mo
Today · 4.125%
HK$48,908
baseline
▲ 0.50% · 4.625%
HK$51,486
+HK$2,578/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$97,816/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,051
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,608
−HK$1,582/mo
Today · 4.125%
HK$53,190
baseline
▲ 0.50% · 4.625%
HK$56,426
+HK$3,236/mo
Deposit HK$7.32M · loan HK$10.97M · min. income ≈ HK$106,380/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,681
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,175
−HK$1,515/mo
Today · 4.125%
HK$58,690
baseline
▲ 0.50% · 4.625%
HK$61,783
+HK$3,093/mo
Deposit HK$7.32M · loan HK$10.97M · min. income ≈ HK$117,380/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,393
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,209
−HK$1,846/mo
Today · 4.125%
HK$62,055
baseline
▲ 0.50% · 4.625%
HK$65,831
+HK$3,776/mo
Deposit HK$5.49M · loan HK$12.80M · min. income ≈ HK$124,110/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,962
−HK$3,509/mo
▼ 0.25% · 3.875%
HK$66,704
−HK$1,767/mo
Today · 4.125%
HK$68,471
baseline
▲ 0.50% · 4.625%
HK$72,080
+HK$3,609/mo
Deposit HK$5.49M · loan HK$12.80M · min. income ≈ HK$136,942/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,077
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$77,412
−HK$2,373/mo
Today · 4.125%
HK$79,785
baseline
▲ 0.50% · 4.625%
HK$84,639
+HK$4,854/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$159,570/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$685,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,522
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$85,762
−HK$2,272/mo
Today · 4.125%
HK$88,034
baseline
▲ 0.50% · 4.625%
HK$92,675
+HK$4,641/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$176,068/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$685,931 · Scale 2, in force from 26 Feb 2026)