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$41,665
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,961
−HK$1,317/mo
Today · 4.125%
HK$44,278
baseline
▲ 0.50% · 4.625%
HK$46,972
+HK$2,694/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$88,556/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,352
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,595
−HK$1,261/mo
Today · 4.125%
HK$48,856
baseline
▲ 0.50% · 4.625%
HK$51,431
+HK$2,575/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$97,712/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,998
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$51,553
−HK$1,580/mo
Today · 4.125%
HK$53,133
baseline
▲ 0.50% · 4.625%
HK$56,366
+HK$3,233/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$106,266/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$685,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,622
−HK$3,005/mo
▼ 0.25% · 3.875%
HK$57,114
−HK$1,513/mo
Today · 4.125%
HK$58,627
baseline
▲ 0.50% · 4.625%
HK$61,717
+HK$3,090/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$117,254/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$685,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,331
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,145
−HK$1,844/mo
Today · 4.125%
HK$61,989
baseline
▲ 0.50% · 4.625%
HK$65,760
+HK$3,771/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$123,978/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,892
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,633
−HK$1,765/mo
Today · 4.125%
HK$68,398
baseline
▲ 0.50% · 4.625%
HK$72,004
+HK$3,606/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$136,796/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,997
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$77,329
−HK$2,371/mo
Today · 4.125%
HK$79,700
baseline
▲ 0.50% · 4.625%
HK$84,549
+HK$4,849/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$159,400/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,200 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,433
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$85,671
−HK$2,270/mo
Today · 4.125%
HK$87,941
baseline
▲ 0.50% · 4.625%
HK$92,576
+HK$4,635/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$175,882/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,200 · Scale 2, in force from 26 Feb 2026)