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$41,656
−HK$2,613/mo
▼ 0.25% · 3.875%
HK$42,952
−HK$1,317/mo
Today · 4.125%
HK$44,269
baseline
▲ 0.50% · 4.625%
HK$46,962
+HK$2,693/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$88,538/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,342
−HK$2,504/mo
▼ 0.25% · 3.875%
HK$47,585
−HK$1,261/mo
Today · 4.125%
HK$48,846
baseline
▲ 0.50% · 4.625%
HK$51,421
+HK$2,575/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$97,692/mo (50% DSR)
Upfront cash ≈ HK$9.82M (deposit + AVD stamp duty HK$685,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,988
−HK$3,134/mo
▼ 0.25% · 3.875%
HK$51,543
−HK$1,579/mo
Today · 4.125%
HK$53,122
baseline
▲ 0.50% · 4.625%
HK$56,355
+HK$3,233/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$106,244/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$685,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,611
−HK$3,004/mo
▼ 0.25% · 3.875%
HK$57,102
−HK$1,513/mo
Today · 4.125%
HK$58,615
baseline
▲ 0.50% · 4.625%
HK$61,705
+HK$3,090/mo
Deposit HK$7.31M · loan HK$10.96M · min. income ≈ HK$117,230/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$685,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,319
−HK$3,657/mo
▼ 0.25% · 3.875%
HK$60,133
−HK$1,843/mo
Today · 4.125%
HK$61,976
baseline
▲ 0.50% · 4.625%
HK$65,747
+HK$3,771/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$123,952/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,879
−HK$3,506/mo
▼ 0.25% · 3.875%
HK$66,619
−HK$1,766/mo
Today · 4.125%
HK$68,385
baseline
▲ 0.50% · 4.625%
HK$71,989
+HK$3,604/mo
Deposit HK$5.48M · loan HK$12.79M · min. income ≈ HK$136,770/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,982
−HK$4,702/mo
▼ 0.25% · 3.875%
HK$77,314
−HK$2,370/mo
Today · 4.125%
HK$79,684
baseline
▲ 0.50% · 4.625%
HK$84,532
+HK$4,848/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$159,368/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,062 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,416
−HK$4,507/mo
▼ 0.25% · 3.875%
HK$85,653
−HK$2,270/mo
Today · 4.125%
HK$87,923
baseline
▲ 0.50% · 4.625%
HK$92,558
+HK$4,635/mo
Deposit HK$1.83M · loan HK$16.44M · min. income ≈ HK$175,846/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,062 · Scale 2, in force from 26 Feb 2026)