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$41,756
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,055
−HK$1,319/mo
Today · 4.125%
HK$44,374
baseline
▲ 0.50% · 4.625%
HK$47,074
+HK$2,700/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$88,748/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,453
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,699
−HK$1,264/mo
Today · 4.125%
HK$48,963
baseline
▲ 0.50% · 4.625%
HK$51,544
+HK$2,581/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$97,926/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,107
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,666
−HK$1,583/mo
Today · 4.125%
HK$53,249
baseline
▲ 0.50% · 4.625%
HK$56,489
+HK$3,240/mo
Deposit HK$7.32M · loan HK$10.99M · min. income ≈ HK$106,498/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,744
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,239
−HK$1,516/mo
Today · 4.125%
HK$58,755
baseline
▲ 0.50% · 4.625%
HK$61,852
+HK$3,097/mo
Deposit HK$7.32M · loan HK$10.99M · min. income ≈ HK$117,510/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,458
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,277
−HK$1,847/mo
Today · 4.125%
HK$62,124
baseline
▲ 0.50% · 4.625%
HK$65,904
+HK$3,780/mo
Deposit HK$5.49M · loan HK$12.82M · min. income ≈ HK$124,248/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,034
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,778
−HK$1,770/mo
Today · 4.125%
HK$68,548
baseline
▲ 0.50% · 4.625%
HK$72,161
+HK$3,613/mo
Deposit HK$5.49M · loan HK$12.82M · min. income ≈ HK$137,096/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,161
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$77,499
−HK$2,375/mo
Today · 4.125%
HK$79,874
baseline
▲ 0.50% · 4.625%
HK$84,734
+HK$4,860/mo
Deposit HK$1.83M · loan HK$16.48M · min. income ≈ HK$159,748/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,699 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,616
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$85,858
−HK$2,275/mo
Today · 4.125%
HK$88,133
baseline
▲ 0.50% · 4.625%
HK$92,779
+HK$4,646/mo
Deposit HK$1.83M · loan HK$16.48M · min. income ≈ HK$176,266/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,699 · Scale 2, in force from 26 Feb 2026)