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$41,712
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,010
−HK$1,318/mo
Today · 4.125%
HK$44,328
baseline
▲ 0.50% · 4.625%
HK$47,025
+HK$2,697/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$88,656/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,404
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,649
−HK$1,262/mo
Today · 4.125%
HK$48,911
baseline
▲ 0.50% · 4.625%
HK$51,489
+HK$2,578/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$97,822/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,054
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,611
−HK$1,582/mo
Today · 4.125%
HK$53,193
baseline
▲ 0.50% · 4.625%
HK$56,430
+HK$3,237/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$106,386/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,685
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,179
−HK$1,515/mo
Today · 4.125%
HK$58,694
baseline
▲ 0.50% · 4.625%
HK$61,787
+HK$3,093/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$117,388/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,397
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,213
−HK$1,846/mo
Today · 4.125%
HK$62,059
baseline
▲ 0.50% · 4.625%
HK$65,835
+HK$3,776/mo
Deposit HK$5.49M · loan HK$12.80M · min. income ≈ HK$124,118/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,966
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,708
−HK$1,768/mo
Today · 4.125%
HK$68,476
baseline
▲ 0.50% · 4.625%
HK$72,085
+HK$3,609/mo
Deposit HK$5.49M · loan HK$12.80M · min. income ≈ HK$136,952/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,082
−HK$4,708/mo
▼ 0.25% · 3.875%
HK$77,417
−HK$2,373/mo
Today · 4.125%
HK$79,790
baseline
▲ 0.50% · 4.625%
HK$84,645
+HK$4,855/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$159,580/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$685,977 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,528
−HK$4,512/mo
▼ 0.25% · 3.875%
HK$85,768
−HK$2,272/mo
Today · 4.125%
HK$88,040
baseline
▲ 0.50% · 4.625%
HK$92,681
+HK$4,641/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$176,080/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$685,977 · Scale 2, in force from 26 Feb 2026)