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$41,661
−HK$2,612/mo
▼ 0.25% · 3.875%
HK$42,957
−HK$1,316/mo
Today · 4.125%
HK$44,273
baseline
▲ 0.50% · 4.625%
HK$46,967
+HK$2,694/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$88,546/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,347
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,590
−HK$1,261/mo
Today · 4.125%
HK$48,851
baseline
▲ 0.50% · 4.625%
HK$51,426
+HK$2,575/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$97,702/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,993
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$51,548
−HK$1,580/mo
Today · 4.125%
HK$53,128
baseline
▲ 0.50% · 4.625%
HK$56,361
+HK$3,233/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$106,256/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$685,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,617
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,108
−HK$1,513/mo
Today · 4.125%
HK$58,621
baseline
▲ 0.50% · 4.625%
HK$61,711
+HK$3,090/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$117,242/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$685,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,325
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,139
−HK$1,844/mo
Today · 4.125%
HK$61,983
baseline
▲ 0.50% · 4.625%
HK$65,754
+HK$3,771/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$123,966/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,886
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,626
−HK$1,766/mo
Today · 4.125%
HK$68,392
baseline
▲ 0.50% · 4.625%
HK$71,997
+HK$3,605/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$136,784/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,989
−HK$4,703/mo
▼ 0.25% · 3.875%
HK$77,322
−HK$2,370/mo
Today · 4.125%
HK$79,692
baseline
▲ 0.50% · 4.625%
HK$84,541
+HK$4,849/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$159,384/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,134 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,425
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$85,662
−HK$2,270/mo
Today · 4.125%
HK$87,932
baseline
▲ 0.50% · 4.625%
HK$92,567
+HK$4,635/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$175,864/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,134 · Scale 2, in force from 26 Feb 2026)