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$41,715
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,013
−HK$1,318/mo
Today · 4.125%
HK$44,331
baseline
▲ 0.50% · 4.625%
HK$47,029
+HK$2,698/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$88,662/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$686,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,408
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,652
−HK$1,263/mo
Today · 4.125%
HK$48,915
baseline
▲ 0.50% · 4.625%
HK$51,493
+HK$2,578/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$97,830/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$686,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,058
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,615
−HK$1,582/mo
Today · 4.125%
HK$53,197
baseline
▲ 0.50% · 4.625%
HK$56,434
+HK$3,237/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$106,394/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$686,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,689
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,183
−HK$1,515/mo
Today · 4.125%
HK$58,698
baseline
▲ 0.50% · 4.625%
HK$61,792
+HK$3,094/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$117,396/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$686,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,401
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,218
−HK$1,846/mo
Today · 4.125%
HK$62,064
baseline
▲ 0.50% · 4.625%
HK$65,840
+HK$3,776/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$124,128/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$686,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,971
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,713
−HK$1,768/mo
Today · 4.125%
HK$68,481
baseline
▲ 0.50% · 4.625%
HK$72,091
+HK$3,610/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$136,962/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$686,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,087
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$77,423
−HK$2,373/mo
Today · 4.125%
HK$79,796
baseline
▲ 0.50% · 4.625%
HK$84,652
+HK$4,856/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$159,592/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,030 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,534
−HK$4,513/mo
▼ 0.25% · 3.875%
HK$85,774
−HK$2,273/mo
Today · 4.125%
HK$88,047
baseline
▲ 0.50% · 4.625%
HK$92,688
+HK$4,641/mo
Deposit HK$1.83M · loan HK$16.46M · min. income ≈ HK$176,094/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,030 · Scale 2, in force from 26 Feb 2026)