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$41,770
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,069
−HK$1,320/mo
Today · 4.125%
HK$44,389
baseline
▲ 0.50% · 4.625%
HK$47,090
+HK$2,701/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$88,778/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$686,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,469
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,715
−HK$1,264/mo
Today · 4.125%
HK$48,979
baseline
▲ 0.50% · 4.625%
HK$51,561
+HK$2,582/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$97,958/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$686,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,124
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,683
−HK$1,584/mo
Today · 4.125%
HK$53,267
baseline
▲ 0.50% · 4.625%
HK$56,509
+HK$3,242/mo
Deposit HK$7.33M · loan HK$10.99M · min. income ≈ HK$106,534/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,763
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$57,258
−HK$1,517/mo
Today · 4.125%
HK$58,775
baseline
▲ 0.50% · 4.625%
HK$61,873
+HK$3,098/mo
Deposit HK$7.33M · loan HK$10.99M · min. income ≈ HK$117,550/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,478
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,297
−HK$1,848/mo
Today · 4.125%
HK$62,145
baseline
▲ 0.50% · 4.625%
HK$65,927
+HK$3,782/mo
Deposit HK$5.50M · loan HK$12.82M · min. income ≈ HK$124,290/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,056
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,801
−HK$1,770/mo
Today · 4.125%
HK$68,571
baseline
▲ 0.50% · 4.625%
HK$72,186
+HK$3,615/mo
Deposit HK$5.50M · loan HK$12.82M · min. income ≈ HK$137,142/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,186
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$77,525
−HK$2,376/mo
Today · 4.125%
HK$79,901
baseline
▲ 0.50% · 4.625%
HK$84,763
+HK$4,862/mo
Deposit HK$1.83M · loan HK$16.49M · min. income ≈ HK$159,802/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,931 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,644
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$85,887
−HK$2,276/mo
Today · 4.125%
HK$88,163
baseline
▲ 0.50% · 4.625%
HK$92,810
+HK$4,647/mo
Deposit HK$1.83M · loan HK$16.49M · min. income ≈ HK$176,326/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,931 · Scale 2, in force from 26 Feb 2026)