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$41,694
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,991
−HK$1,317/mo
Today · 4.125%
HK$44,308
baseline
▲ 0.50% · 4.625%
HK$47,005
+HK$2,697/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$88,616/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,384
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,628
−HK$1,262/mo
Today · 4.125%
HK$48,890
baseline
▲ 0.50% · 4.625%
HK$51,467
+HK$2,577/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$97,780/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,033
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,589
−HK$1,581/mo
Today · 4.125%
HK$53,170
baseline
▲ 0.50% · 4.625%
HK$56,405
+HK$3,235/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$106,340/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,661
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,154
−HK$1,514/mo
Today · 4.125%
HK$58,668
baseline
▲ 0.50% · 4.625%
HK$61,761
+HK$3,093/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$117,336/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,371
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,187
−HK$1,845/mo
Today · 4.125%
HK$62,032
baseline
▲ 0.50% · 4.625%
HK$65,806
+HK$3,774/mo
Deposit HK$5.49M · loan HK$12.80M · min. income ≈ HK$124,064/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,938
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,679
−HK$1,767/mo
Today · 4.125%
HK$68,446
baseline
▲ 0.50% · 4.625%
HK$72,054
+HK$3,608/mo
Deposit HK$5.49M · loan HK$12.80M · min. income ≈ HK$136,892/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,049
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$77,383
−HK$2,372/mo
Today · 4.125%
HK$79,755
baseline
▲ 0.50% · 4.625%
HK$84,608
+HK$4,853/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$159,510/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,679 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,491
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$85,731
−HK$2,271/mo
Today · 4.125%
HK$88,002
baseline
▲ 0.50% · 4.625%
HK$92,641
+HK$4,639/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$176,004/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,679 · Scale 2, in force from 26 Feb 2026)