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$41,669
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,965
−HK$1,317/mo
Today · 4.125%
HK$44,282
baseline
▲ 0.50% · 4.625%
HK$46,976
+HK$2,694/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$88,564/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,356
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,600
−HK$1,261/mo
Today · 4.125%
HK$48,861
baseline
▲ 0.50% · 4.625%
HK$51,436
+HK$2,575/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$97,722/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,003
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$51,558
−HK$1,580/mo
Today · 4.125%
HK$53,138
baseline
▲ 0.50% · 4.625%
HK$56,372
+HK$3,234/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$106,276/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$685,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,628
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,119
−HK$1,514/mo
Today · 4.125%
HK$58,633
baseline
▲ 0.50% · 4.625%
HK$61,724
+HK$3,091/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$117,266/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$685,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,337
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,151
−HK$1,844/mo
Today · 4.125%
HK$61,995
baseline
▲ 0.50% · 4.625%
HK$65,767
+HK$3,772/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$123,990/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,899
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,639
−HK$1,766/mo
Today · 4.125%
HK$68,405
baseline
▲ 0.50% · 4.625%
HK$72,011
+HK$3,606/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$136,810/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,004
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$77,337
−HK$2,371/mo
Today · 4.125%
HK$79,708
baseline
▲ 0.50% · 4.625%
HK$84,558
+HK$4,850/mo
Deposit HK$1.83M · loan HK$16.45M · min. income ≈ HK$159,416/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,269 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,441
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$85,679
−HK$2,270/mo
Today · 4.125%
HK$87,949
baseline
▲ 0.50% · 4.625%
HK$92,585
+HK$4,636/mo
Deposit HK$1.83M · loan HK$16.45M · min. income ≈ HK$175,898/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,269 · Scale 2, in force from 26 Feb 2026)