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$41,710
−HK$2,615/mo
▼ 0.25% · 3.875%
HK$43,007
−HK$1,318/mo
Today · 4.125%
HK$44,325
baseline
▲ 0.50% · 4.625%
HK$47,022
+HK$2,697/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$88,650/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,402
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,646
−HK$1,263/mo
Today · 4.125%
HK$48,909
baseline
▲ 0.50% · 4.625%
HK$51,487
+HK$2,578/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$97,818/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,052
−HK$3,138/mo
▼ 0.25% · 3.875%
HK$51,609
−HK$1,581/mo
Today · 4.125%
HK$53,190
baseline
▲ 0.50% · 4.625%
HK$56,427
+HK$3,237/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$106,380/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,682
−HK$3,008/mo
▼ 0.25% · 3.875%
HK$57,175
−HK$1,515/mo
Today · 4.125%
HK$58,690
baseline
▲ 0.50% · 4.625%
HK$61,784
+HK$3,094/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$117,380/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,394
−HK$3,661/mo
▼ 0.25% · 3.875%
HK$60,210
−HK$1,845/mo
Today · 4.125%
HK$62,055
baseline
▲ 0.50% · 4.625%
HK$65,831
+HK$3,776/mo
Deposit HK$5.49M · loan HK$12.80M · min. income ≈ HK$124,110/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,962
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,705
−HK$1,767/mo
Today · 4.125%
HK$68,472
baseline
▲ 0.50% · 4.625%
HK$72,081
+HK$3,609/mo
Deposit HK$5.49M · loan HK$12.80M · min. income ≈ HK$136,944/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,078
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$77,413
−HK$2,373/mo
Today · 4.125%
HK$79,786
baseline
▲ 0.50% · 4.625%
HK$84,640
+HK$4,854/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$159,572/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$685,939 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,523
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$85,763
−HK$2,273/mo
Today · 4.125%
HK$88,036
baseline
▲ 0.50% · 4.625%
HK$92,676
+HK$4,640/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$176,072/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$685,939 · Scale 2, in force from 26 Feb 2026)