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$41,698
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$42,995
−HK$1,318/mo
Today · 4.125%
HK$44,313
baseline
▲ 0.50% · 4.625%
HK$47,009
+HK$2,696/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$88,626/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,388
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,632
−HK$1,263/mo
Today · 4.125%
HK$48,895
baseline
▲ 0.50% · 4.625%
HK$51,472
+HK$2,577/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$97,790/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,037
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,594
−HK$1,581/mo
Today · 4.125%
HK$53,175
baseline
▲ 0.50% · 4.625%
HK$56,411
+HK$3,236/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$106,350/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,666
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,159
−HK$1,515/mo
Today · 4.125%
HK$58,674
baseline
▲ 0.50% · 4.625%
HK$61,766
+HK$3,092/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$117,348/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,377
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,193
−HK$1,845/mo
Today · 4.125%
HK$62,038
baseline
▲ 0.50% · 4.625%
HK$65,813
+HK$3,775/mo
Deposit HK$5.49M · loan HK$12.80M · min. income ≈ HK$124,076/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,944
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,685
−HK$1,767/mo
Today · 4.125%
HK$68,452
baseline
▲ 0.50% · 4.625%
HK$72,061
+HK$3,609/mo
Deposit HK$5.49M · loan HK$12.80M · min. income ≈ HK$136,904/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,056
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$77,391
−HK$2,372/mo
Today · 4.125%
HK$79,763
baseline
▲ 0.50% · 4.625%
HK$84,616
+HK$4,853/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$159,526/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,742 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,499
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$85,738
−HK$2,272/mo
Today · 4.125%
HK$88,010
baseline
▲ 0.50% · 4.625%
HK$92,649
+HK$4,639/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$176,020/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,742 · Scale 2, in force from 26 Feb 2026)