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$41,680
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,977
−HK$1,317/mo
Today · 4.125%
HK$44,294
baseline
▲ 0.50% · 4.625%
HK$46,989
+HK$2,695/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$88,588/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,369
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,613
−HK$1,261/mo
Today · 4.125%
HK$48,874
baseline
▲ 0.50% · 4.625%
HK$51,450
+HK$2,576/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$97,748/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,016
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,572
−HK$1,581/mo
Today · 4.125%
HK$53,153
baseline
▲ 0.50% · 4.625%
HK$56,387
+HK$3,234/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$106,306/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,643
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,135
−HK$1,514/mo
Today · 4.125%
HK$58,649
baseline
▲ 0.50% · 4.625%
HK$61,740
+HK$3,091/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$117,298/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,352
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,168
−HK$1,844/mo
Today · 4.125%
HK$62,012
baseline
▲ 0.50% · 4.625%
HK$65,785
+HK$3,773/mo
Deposit HK$5.48M · loan HK$12.80M · min. income ≈ HK$124,024/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,917
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,658
−HK$1,766/mo
Today · 4.125%
HK$68,424
baseline
▲ 0.50% · 4.625%
HK$72,030
+HK$3,606/mo
Deposit HK$5.48M · loan HK$12.80M · min. income ≈ HK$136,848/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,025
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$77,358
−HK$2,371/mo
Today · 4.125%
HK$79,729
baseline
▲ 0.50% · 4.625%
HK$84,581
+HK$4,852/mo
Deposit HK$1.83M · loan HK$16.45M · min. income ≈ HK$159,458/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,455 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,464
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$85,703
−HK$2,270/mo
Today · 4.125%
HK$87,973
baseline
▲ 0.50% · 4.625%
HK$92,611
+HK$4,638/mo
Deposit HK$1.83M · loan HK$16.45M · min. income ≈ HK$175,946/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,455 · Scale 2, in force from 26 Feb 2026)