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$41,676
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,972
−HK$1,317/mo
Today · 4.125%
HK$44,289
baseline
▲ 0.50% · 4.625%
HK$46,984
+HK$2,695/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$88,578/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,364
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,608
−HK$1,261/mo
Today · 4.125%
HK$48,869
baseline
▲ 0.50% · 4.625%
HK$51,445
+HK$2,576/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$97,738/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,011
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$51,567
−HK$1,580/mo
Today · 4.125%
HK$53,147
baseline
▲ 0.50% · 4.625%
HK$56,381
+HK$3,234/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$106,294/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,637
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,129
−HK$1,514/mo
Today · 4.125%
HK$58,643
baseline
▲ 0.50% · 4.625%
HK$61,734
+HK$3,091/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$117,286/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,346
−HK$3,659/mo
▼ 0.25% · 3.875%
HK$60,161
−HK$1,844/mo
Today · 4.125%
HK$62,005
baseline
▲ 0.50% · 4.625%
HK$65,778
+HK$3,773/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$124,010/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,910
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,651
−HK$1,766/mo
Today · 4.125%
HK$68,417
baseline
▲ 0.50% · 4.625%
HK$72,023
+HK$3,606/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$136,834/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,017
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$77,350
−HK$2,371/mo
Today · 4.125%
HK$79,721
baseline
▲ 0.50% · 4.625%
HK$84,572
+HK$4,851/mo
Deposit HK$1.83M · loan HK$16.45M · min. income ≈ HK$159,442/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,383 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,455
−HK$4,509/mo
▼ 0.25% · 3.875%
HK$85,694
−HK$2,270/mo
Today · 4.125%
HK$87,964
baseline
▲ 0.50% · 4.625%
HK$92,601
+HK$4,637/mo
Deposit HK$1.83M · loan HK$16.45M · min. income ≈ HK$175,928/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,383 · Scale 2, in force from 26 Feb 2026)