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$41,718
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,015
−HK$1,319/mo
Today · 4.125%
HK$44,334
baseline
▲ 0.50% · 4.625%
HK$47,032
+HK$2,698/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$88,668/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$686,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,411
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,655
−HK$1,263/mo
Today · 4.125%
HK$48,918
baseline
▲ 0.50% · 4.625%
HK$51,497
+HK$2,579/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$97,836/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$686,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,061
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$51,619
−HK$1,582/mo
Today · 4.125%
HK$53,201
baseline
▲ 0.50% · 4.625%
HK$56,438
+HK$3,237/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$106,402/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$686,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,693
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,186
−HK$1,516/mo
Today · 4.125%
HK$58,702
baseline
▲ 0.50% · 4.625%
HK$61,796
+HK$3,094/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$117,404/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$686,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,405
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,222
−HK$1,845/mo
Today · 4.125%
HK$62,067
baseline
▲ 0.50% · 4.625%
HK$65,844
+HK$3,777/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$124,134/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$686,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,975
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,718
−HK$1,767/mo
Today · 4.125%
HK$68,485
baseline
▲ 0.50% · 4.625%
HK$72,095
+HK$3,610/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$136,970/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$686,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,092
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$77,428
−HK$2,373/mo
Today · 4.125%
HK$79,801
baseline
▲ 0.50% · 4.625%
HK$84,657
+HK$4,856/mo
Deposit HK$1.83M · loan HK$16.47M · min. income ≈ HK$159,602/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,072 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,539
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$85,780
−HK$2,273/mo
Today · 4.125%
HK$88,053
baseline
▲ 0.50% · 4.625%
HK$92,694
+HK$4,641/mo
Deposit HK$1.83M · loan HK$16.47M · min. income ≈ HK$176,106/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,072 · Scale 2, in force from 26 Feb 2026)