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$41,679
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,976
−HK$1,317/mo
Today · 4.125%
HK$44,293
baseline
▲ 0.50% · 4.625%
HK$46,988
+HK$2,695/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$88,586/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,368
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,611
−HK$1,262/mo
Today · 4.125%
HK$48,873
baseline
▲ 0.50% · 4.625%
HK$51,449
+HK$2,576/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$97,746/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,015
−HK$3,137/mo
▼ 0.25% · 3.875%
HK$51,571
−HK$1,581/mo
Today · 4.125%
HK$53,152
baseline
▲ 0.50% · 4.625%
HK$56,386
+HK$3,234/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$106,304/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,641
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,134
−HK$1,514/mo
Today · 4.125%
HK$58,648
baseline
▲ 0.50% · 4.625%
HK$61,739
+HK$3,091/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$117,296/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,351
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,166
−HK$1,844/mo
Today · 4.125%
HK$62,010
baseline
▲ 0.50% · 4.625%
HK$65,783
+HK$3,773/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$124,020/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,915
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,656
−HK$1,766/mo
Today · 4.125%
HK$68,422
baseline
▲ 0.50% · 4.625%
HK$72,029
+HK$3,607/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$136,844/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,023
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$77,356
−HK$2,371/mo
Today · 4.125%
HK$79,727
baseline
▲ 0.50% · 4.625%
HK$84,579
+HK$4,852/mo
Deposit HK$1.83M · loan HK$16.45M · min. income ≈ HK$159,454/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,439 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,462
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$85,701
−HK$2,270/mo
Today · 4.125%
HK$87,971
baseline
▲ 0.50% · 4.625%
HK$92,608
+HK$4,637/mo
Deposit HK$1.83M · loan HK$16.45M · min. income ≈ HK$175,942/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,439 · Scale 2, in force from 26 Feb 2026)