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$41,686
−HK$2,614/mo
▼ 0.25% · 3.875%
HK$42,983
−HK$1,317/mo
Today · 4.125%
HK$44,300
baseline
▲ 0.50% · 4.625%
HK$46,996
+HK$2,696/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$88,600/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,376
−HK$2,505/mo
▼ 0.25% · 3.875%
HK$47,619
−HK$1,262/mo
Today · 4.125%
HK$48,881
baseline
▲ 0.50% · 4.625%
HK$51,458
+HK$2,577/mo
Deposit HK$9.14M · loan HK$9.14M · min. income ≈ HK$97,762/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$685,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,024
−HK$3,136/mo
▼ 0.25% · 3.875%
HK$51,580
−HK$1,580/mo
Today · 4.125%
HK$53,160
baseline
▲ 0.50% · 4.625%
HK$56,395
+HK$3,235/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$106,320/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,651
−HK$3,006/mo
▼ 0.25% · 3.875%
HK$57,143
−HK$1,514/mo
Today · 4.125%
HK$58,657
baseline
▲ 0.50% · 4.625%
HK$61,749
+HK$3,092/mo
Deposit HK$7.31M · loan HK$10.97M · min. income ≈ HK$117,314/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$685,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,361
−HK$3,660/mo
▼ 0.25% · 3.875%
HK$60,176
−HK$1,845/mo
Today · 4.125%
HK$62,021
baseline
▲ 0.50% · 4.625%
HK$65,794
+HK$3,773/mo
Deposit HK$5.48M · loan HK$12.80M · min. income ≈ HK$124,042/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,926
−HK$3,508/mo
▼ 0.25% · 3.875%
HK$66,667
−HK$1,767/mo
Today · 4.125%
HK$68,434
baseline
▲ 0.50% · 4.625%
HK$72,041
+HK$3,607/mo
Deposit HK$5.48M · loan HK$12.80M · min. income ≈ HK$136,868/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$685,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,035
−HK$4,706/mo
▼ 0.25% · 3.875%
HK$77,369
−HK$2,372/mo
Today · 4.125%
HK$79,741
baseline
▲ 0.50% · 4.625%
HK$84,593
+HK$4,852/mo
Deposit HK$1.83M · loan HK$16.45M · min. income ≈ HK$159,482/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,553 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,476
−HK$4,510/mo
▼ 0.25% · 3.875%
HK$85,715
−HK$2,271/mo
Today · 4.125%
HK$87,986
baseline
▲ 0.50% · 4.625%
HK$92,624
+HK$4,638/mo
Deposit HK$1.83M · loan HK$16.45M · min. income ≈ HK$175,972/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$685,553 · Scale 2, in force from 26 Feb 2026)