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$41,744
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,043
−HK$1,319/mo
Today · 4.125%
HK$44,362
baseline
▲ 0.50% · 4.625%
HK$47,062
+HK$2,700/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$88,724/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,440
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,686
−HK$1,263/mo
Today · 4.125%
HK$48,949
baseline
▲ 0.50% · 4.625%
HK$51,530
+HK$2,581/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$97,898/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,093
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,652
−HK$1,583/mo
Today · 4.125%
HK$53,235
baseline
▲ 0.50% · 4.625%
HK$56,474
+HK$3,239/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$106,470/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,728
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,223
−HK$1,516/mo
Today · 4.125%
HK$58,739
baseline
▲ 0.50% · 4.625%
HK$61,835
+HK$3,096/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$117,478/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,442
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,260
−HK$1,847/mo
Today · 4.125%
HK$62,107
baseline
▲ 0.50% · 4.625%
HK$65,886
+HK$3,779/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$124,214/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,016
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,760
−HK$1,769/mo
Today · 4.125%
HK$68,529
baseline
▲ 0.50% · 4.625%
HK$72,141
+HK$3,612/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$137,058/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,140
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$77,477
−HK$2,375/mo
Today · 4.125%
HK$79,852
baseline
▲ 0.50% · 4.625%
HK$84,711
+HK$4,859/mo
Deposit HK$1.83M · loan HK$16.48M · min. income ≈ HK$159,704/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,510 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,593
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$85,834
−HK$2,275/mo
Today · 4.125%
HK$88,109
baseline
▲ 0.50% · 4.625%
HK$92,753
+HK$4,644/mo
Deposit HK$1.83M · loan HK$16.48M · min. income ≈ HK$176,218/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,510 · Scale 2, in force from 26 Feb 2026)