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$41,705
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,003
−HK$1,318/mo
Today · 4.125%
HK$44,321
baseline
▲ 0.50% · 4.625%
HK$47,017
+HK$2,696/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$88,642/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,397
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,641
−HK$1,262/mo
Today · 4.125%
HK$48,903
baseline
▲ 0.50% · 4.625%
HK$51,481
+HK$2,578/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$97,806/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,046
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,603
−HK$1,582/mo
Today · 4.125%
HK$53,185
baseline
▲ 0.50% · 4.625%
HK$56,421
+HK$3,236/mo
Deposit HK$7.32M · loan HK$10.97M · min. income ≈ HK$106,370/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,676
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,169
−HK$1,515/mo
Today · 4.125%
HK$58,684
baseline
▲ 0.50% · 4.625%
HK$61,777
+HK$3,093/mo
Deposit HK$7.32M · loan HK$10.97M · min. income ≈ HK$117,368/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,387
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,204
−HK$1,845/mo
Today · 4.125%
HK$62,049
baseline
▲ 0.50% · 4.625%
HK$65,824
+HK$3,775/mo
Deposit HK$5.49M · loan HK$12.80M · min. income ≈ HK$124,098/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,955
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,697
−HK$1,768/mo
Today · 4.125%
HK$68,465
baseline
▲ 0.50% · 4.625%
HK$72,074
+HK$3,609/mo
Deposit HK$5.49M · loan HK$12.80M · min. income ≈ HK$136,930/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,069
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$77,405
−HK$2,372/mo
Today · 4.125%
HK$79,777
baseline
▲ 0.50% · 4.625%
HK$84,631
+HK$4,854/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$159,554/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,865 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,514
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$85,754
−HK$2,272/mo
Today · 4.125%
HK$88,026
baseline
▲ 0.50% · 4.625%
HK$92,666
+HK$4,640/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$176,052/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,865 · Scale 2, in force from 26 Feb 2026)