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$41,682
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,979
−HK$1,317/mo
Today · 4.125%
HK$44,296
baseline
▲ 0.50% · 4.625%
HK$46,991
+HK$2,695/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$88,592/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,371
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,615
−HK$1,261/mo
Today · 4.125%
HK$48,876
baseline
▲ 0.50% · 4.625%
HK$51,453
+HK$2,577/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$97,752/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,019
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$51,575
−HK$1,580/mo
Today · 4.125%
HK$53,155
baseline
▲ 0.50% · 4.625%
HK$56,390
+HK$3,235/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$106,310/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,645
−HK$3,007/mo
▼ 0.25% · 3.875%
HK$57,138
−HK$1,514/mo
Today · 4.125%
HK$58,652
baseline
▲ 0.50% · 4.625%
HK$61,743
+HK$3,091/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$117,304/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,355
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,170
−HK$1,845/mo
Today · 4.125%
HK$62,015
baseline
▲ 0.50% · 4.625%
HK$65,788
+HK$3,773/mo
Deposit HK$5.48M · loan HK$12.80M · min. income ≈ HK$124,030/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,920
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,661
−HK$1,766/mo
Today · 4.125%
HK$68,427
baseline
▲ 0.50% · 4.625%
HK$72,034
+HK$3,607/mo
Deposit HK$5.48M · loan HK$12.80M · min. income ≈ HK$136,854/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,028
−HK$4,705/mo
▼ 0.25% · 3.875%
HK$77,362
−HK$2,371/mo
Today · 4.125%
HK$79,733
baseline
▲ 0.50% · 4.625%
HK$84,585
+HK$4,852/mo
Deposit HK$1.83M · loan HK$16.45M · min. income ≈ HK$159,466/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,488 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,468
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$85,707
−HK$2,271/mo
Today · 4.125%
HK$87,978
baseline
▲ 0.50% · 4.625%
HK$92,615
+HK$4,637/mo
Deposit HK$1.83M · loan HK$16.45M · min. income ≈ HK$175,956/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,488 · Scale 2, in force from 26 Feb 2026)