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$41,754
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,053
−HK$1,319/mo
Today · 4.125%
HK$44,372
baseline
▲ 0.50% · 4.625%
HK$47,072
+HK$2,700/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$88,744/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,451
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,697
−HK$1,264/mo
Today · 4.125%
HK$48,961
baseline
▲ 0.50% · 4.625%
HK$51,541
+HK$2,580/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$97,922/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,105
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,663
−HK$1,584/mo
Today · 4.125%
HK$53,247
baseline
▲ 0.50% · 4.625%
HK$56,487
+HK$3,240/mo
Deposit HK$7.32M · loan HK$10.99M · min. income ≈ HK$106,494/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,741
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$57,236
−HK$1,517/mo
Today · 4.125%
HK$58,753
baseline
▲ 0.50% · 4.625%
HK$61,850
+HK$3,097/mo
Deposit HK$7.32M · loan HK$10.99M · min. income ≈ HK$117,506/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,456
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,274
−HK$1,847/mo
Today · 4.125%
HK$62,121
baseline
▲ 0.50% · 4.625%
HK$65,901
+HK$3,780/mo
Deposit HK$5.49M · loan HK$12.82M · min. income ≈ HK$124,242/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,031
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,775
−HK$1,770/mo
Today · 4.125%
HK$68,545
baseline
▲ 0.50% · 4.625%
HK$72,158
+HK$3,613/mo
Deposit HK$5.49M · loan HK$12.82M · min. income ≈ HK$137,090/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,157
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$77,495
−HK$2,375/mo
Today · 4.125%
HK$79,870
baseline
▲ 0.50% · 4.625%
HK$84,730
+HK$4,860/mo
Deposit HK$1.83M · loan HK$16.48M · min. income ≈ HK$159,740/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,667 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,612
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$85,854
−HK$2,275/mo
Today · 4.125%
HK$88,129
baseline
▲ 0.50% · 4.625%
HK$92,774
+HK$4,645/mo
Deposit HK$1.83M · loan HK$16.48M · min. income ≈ HK$176,258/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,667 · Scale 2, in force from 26 Feb 2026)