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$41,696
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,993
−HK$1,317/mo
Today · 4.125%
HK$44,310
baseline
▲ 0.50% · 4.625%
HK$47,007
+HK$2,697/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$88,620/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,386
−HK$2,506/mo
▼ 0.25% · 3.875%
HK$47,630
−HK$1,262/mo
Today · 4.125%
HK$48,892
baseline
▲ 0.50% · 4.625%
HK$51,469
+HK$2,577/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$97,784/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,035
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,591
−HK$1,582/mo
Today · 4.125%
HK$53,173
baseline
▲ 0.50% · 4.625%
HK$56,408
+HK$3,235/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$106,346/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,663
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,156
−HK$1,515/mo
Today · 4.125%
HK$58,671
baseline
▲ 0.50% · 4.625%
HK$61,763
+HK$3,092/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$117,342/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,374
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,190
−HK$1,845/mo
Today · 4.125%
HK$62,035
baseline
▲ 0.50% · 4.625%
HK$65,809
+HK$3,774/mo
Deposit HK$5.49M · loan HK$12.80M · min. income ≈ HK$124,070/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,941
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,682
−HK$1,767/mo
Today · 4.125%
HK$68,449
baseline
▲ 0.50% · 4.625%
HK$72,057
+HK$3,608/mo
Deposit HK$5.49M · loan HK$12.80M · min. income ≈ HK$136,898/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,052
−HK$4,707/mo
▼ 0.25% · 3.875%
HK$77,387
−HK$2,372/mo
Today · 4.125%
HK$79,759
baseline
▲ 0.50% · 4.625%
HK$84,612
+HK$4,853/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$159,518/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,709 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,495
−HK$4,511/mo
▼ 0.25% · 3.875%
HK$85,734
−HK$2,272/mo
Today · 4.125%
HK$88,006
baseline
▲ 0.50% · 4.625%
HK$92,645
+HK$4,639/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$176,012/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,709 · Scale 2, in force from 26 Feb 2026)