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$41,667
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,964
−HK$1,316/mo
Today · 4.125%
HK$44,280
baseline
▲ 0.50% · 4.625%
HK$46,975
+HK$2,695/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$88,560/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,355
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,598
−HK$1,261/mo
Today · 4.125%
HK$48,859
baseline
▲ 0.50% · 4.625%
HK$51,434
+HK$2,575/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$97,718/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,001
−HK$3,135/mo
▼ 0.25% · 3.875%
HK$51,556
−HK$1,580/mo
Today · 4.125%
HK$53,136
baseline
▲ 0.50% · 4.625%
HK$56,370
+HK$3,234/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$106,272/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$685,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,625
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,117
−HK$1,514/mo
Today · 4.125%
HK$58,631
baseline
▲ 0.50% · 4.625%
HK$61,721
+HK$3,090/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$117,262/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$685,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,334
−HK$3,658/mo
▼ 0.25% · 3.875%
HK$60,149
−HK$1,843/mo
Today · 4.125%
HK$61,992
baseline
▲ 0.50% · 4.625%
HK$65,765
+HK$3,773/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$123,984/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,896
−HK$3,507/mo
▼ 0.25% · 3.875%
HK$66,637
−HK$1,766/mo
Today · 4.125%
HK$68,403
baseline
▲ 0.50% · 4.625%
HK$72,008
+HK$3,605/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$136,806/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,001
−HK$4,704/mo
▼ 0.25% · 3.875%
HK$77,334
−HK$2,371/mo
Today · 4.125%
HK$79,705
baseline
▲ 0.50% · 4.625%
HK$84,554
+HK$4,849/mo
Deposit HK$1.83M · loan HK$16.45M · min. income ≈ HK$159,410/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,243 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,438
−HK$4,508/mo
▼ 0.25% · 3.875%
HK$85,676
−HK$2,270/mo
Today · 4.125%
HK$87,946
baseline
▲ 0.50% · 4.625%
HK$92,582
+HK$4,636/mo
Deposit HK$1.83M · loan HK$16.45M · min. income ≈ HK$175,892/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,243 · Scale 2, in force from 26 Feb 2026)