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$41,720
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,017
−HK$1,319/mo
Today · 4.125%
HK$44,336
baseline
▲ 0.50% · 4.625%
HK$47,034
+HK$2,698/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$88,672/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$686,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,413
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,657
−HK$1,263/mo
Today · 4.125%
HK$48,920
baseline
▲ 0.50% · 4.625%
HK$51,499
+HK$2,579/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$97,840/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$686,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,064
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,621
−HK$1,582/mo
Today · 4.125%
HK$53,203
baseline
▲ 0.50% · 4.625%
HK$56,440
+HK$3,237/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$106,406/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$686,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,695
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,189
−HK$1,515/mo
Today · 4.125%
HK$58,704
baseline
▲ 0.50% · 4.625%
HK$61,799
+HK$3,095/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$117,408/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$686,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,407
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,224
−HK$1,846/mo
Today · 4.125%
HK$62,070
baseline
▲ 0.50% · 4.625%
HK$65,847
+HK$3,777/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$124,140/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$686,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,978
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,720
−HK$1,768/mo
Today · 4.125%
HK$68,488
baseline
▲ 0.50% · 4.625%
HK$72,098
+HK$3,610/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$136,976/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$686,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,095
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$77,431
−HK$2,373/mo
Today · 4.125%
HK$79,804
baseline
▲ 0.50% · 4.625%
HK$84,660
+HK$4,856/mo
Deposit HK$1.83M · loan HK$16.47M · min. income ≈ HK$159,608/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,101 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,543
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$85,783
−HK$2,273/mo
Today · 4.125%
HK$88,056
baseline
▲ 0.50% · 4.625%
HK$92,698
+HK$4,642/mo
Deposit HK$1.83M · loan HK$16.47M · min. income ≈ HK$176,112/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,101 · Scale 2, in force from 26 Feb 2026)