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$2,615/mo
▼ 0.25% · 3.875%
HK$42,987
−HK$1,318/mo
Today · 4.125%
HK$44,305
baseline
▲ 0.50% · 4.625%
HK$47,000
+HK$2,695/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$88,610/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,380
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,624
−HK$1,262/mo
Today · 4.125%
HK$48,886
baseline
▲ 0.50% · 4.625%
HK$51,462
+HK$2,576/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$97,772/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,617 · 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$685,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,656
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,149
−HK$1,514/mo
Today · 4.125%
HK$58,663
baseline
▲ 0.50% · 4.625%
HK$61,755
+HK$3,092/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$117,326/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,366
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,182
−HK$1,844/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$685,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,932
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,673
−HK$1,767/mo
Today · 4.125%
HK$68,440
baseline
▲ 0.50% · 4.625%
HK$72,047
+HK$3,607/mo
Deposit HK$5.48M · loan HK$12.80M · min. income ≈ HK$136,880/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,042
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$77,377
−HK$2,371/mo
Today · 4.125%
HK$79,748
baseline
▲ 0.50% · 4.625%
HK$84,601
+HK$4,853/mo
Deposit HK$1.83M · loan HK$16.45M · min. income ≈ HK$159,496/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,617 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,484
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$85,723
−HK$2,271/mo
Today · 4.125%
HK$87,994
baseline
▲ 0.50% · 4.625%
HK$92,632
+HK$4,638/mo
Deposit HK$1.83M · loan HK$16.45M · min. income ≈ HK$175,988/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,617 · Scale 2, in force from 26 Feb 2026)