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$41,763
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,062
−HK$1,319/mo
Today · 4.125%
HK$44,381
baseline
▲ 0.50% · 4.625%
HK$47,082
+HK$2,701/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$88,762/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,460
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,707
−HK$1,264/mo
Today · 4.125%
HK$48,971
baseline
▲ 0.50% · 4.625%
HK$51,552
+HK$2,581/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$97,942/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,115
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,674
−HK$1,584/mo
Today · 4.125%
HK$53,258
baseline
▲ 0.50% · 4.625%
HK$56,498
+HK$3,240/mo
Deposit HK$7.33M · loan HK$10.99M · min. income ≈ HK$106,516/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,753
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$57,248
−HK$1,517/mo
Today · 4.125%
HK$58,765
baseline
▲ 0.50% · 4.625%
HK$61,862
+HK$3,097/mo
Deposit HK$7.33M · loan HK$10.99M · min. income ≈ HK$117,530/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,468
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,286
−HK$1,848/mo
Today · 4.125%
HK$62,134
baseline
▲ 0.50% · 4.625%
HK$65,915
+HK$3,781/mo
Deposit HK$5.49M · loan HK$12.82M · min. income ≈ HK$124,268/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,045
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,789
−HK$1,770/mo
Today · 4.125%
HK$68,559
baseline
▲ 0.50% · 4.625%
HK$72,173
+HK$3,614/mo
Deposit HK$5.49M · loan HK$12.82M · min. income ≈ HK$137,118/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,173
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$77,511
−HK$2,376/mo
Today · 4.125%
HK$79,887
baseline
▲ 0.50% · 4.625%
HK$84,748
+HK$4,861/mo
Deposit HK$1.83M · loan HK$16.48M · min. income ≈ HK$159,774/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,808 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,629
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$85,872
−HK$2,275/mo
Today · 4.125%
HK$88,147
baseline
▲ 0.50% · 4.625%
HK$92,793
+HK$4,646/mo
Deposit HK$1.83M · loan HK$16.48M · min. income ≈ HK$176,294/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,808 · Scale 2, in force from 26 Feb 2026)