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$41,749
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,047
−HK$1,320/mo
Today · 4.125%
HK$44,367
baseline
▲ 0.50% · 4.625%
HK$47,066
+HK$2,699/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$88,734/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,445
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,691
−HK$1,263/mo
Today · 4.125%
HK$48,954
baseline
▲ 0.50% · 4.625%
HK$51,535
+HK$2,581/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$97,908/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,098
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,657
−HK$1,583/mo
Today · 4.125%
HK$53,240
baseline
▲ 0.50% · 4.625%
HK$56,479
+HK$3,239/mo
Deposit HK$7.32M · loan HK$10.99M · min. income ≈ HK$106,480/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,734
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,229
−HK$1,516/mo
Today · 4.125%
HK$58,745
baseline
▲ 0.50% · 4.625%
HK$61,842
+HK$3,097/mo
Deposit HK$7.32M · loan HK$10.99M · min. income ≈ HK$117,490/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,448
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,266
−HK$1,847/mo
Today · 4.125%
HK$62,113
baseline
▲ 0.50% · 4.625%
HK$65,893
+HK$3,780/mo
Deposit HK$5.49M · loan HK$12.82M · min. income ≈ HK$124,226/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,023
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,767
−HK$1,769/mo
Today · 4.125%
HK$68,536
baseline
▲ 0.50% · 4.625%
HK$72,149
+HK$3,613/mo
Deposit HK$5.49M · loan HK$12.82M · min. income ≈ HK$137,072/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,148
−HK$4,712/mo
▼ 0.25% · 3.875%
HK$77,485
−HK$2,375/mo
Today · 4.125%
HK$79,860
baseline
▲ 0.50% · 4.625%
HK$84,719
+HK$4,859/mo
Deposit HK$1.83M · loan HK$16.48M · min. income ≈ HK$159,720/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,578 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,601
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$85,843
−HK$2,275/mo
Today · 4.125%
HK$88,118
baseline
▲ 0.50% · 4.625%
HK$92,762
+HK$4,644/mo
Deposit HK$1.83M · loan HK$16.48M · min. income ≈ HK$176,236/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,578 · Scale 2, in force from 26 Feb 2026)