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$41,785
−HK$2,620/mo
▼ 0.25% · 3.875%
HK$43,085
−HK$1,320/mo
Today · 4.125%
HK$44,405
baseline
▲ 0.50% · 4.625%
HK$47,107
+HK$2,702/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$88,810/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,485
−HK$2,512/mo
▼ 0.25% · 3.875%
HK$47,732
−HK$1,265/mo
Today · 4.125%
HK$48,997
baseline
▲ 0.50% · 4.625%
HK$51,579
+HK$2,582/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$97,994/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$687,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,142
−HK$3,144/mo
▼ 0.25% · 3.875%
HK$51,702
−HK$1,584/mo
Today · 4.125%
HK$53,286
baseline
▲ 0.50% · 4.625%
HK$56,529
+HK$3,243/mo
Deposit HK$7.33M · loan HK$10.99M · min. income ≈ HK$106,572/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,782
−HK$3,014/mo
▼ 0.25% · 3.875%
HK$57,278
−HK$1,518/mo
Today · 4.125%
HK$58,796
baseline
▲ 0.50% · 4.625%
HK$61,895
+HK$3,099/mo
Deposit HK$7.33M · loan HK$10.99M · min. income ≈ HK$117,592/mo (50% DSR)
Upfront cash ≈ HK$8.02M (deposit + AVD stamp duty HK$687,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,499
−HK$3,668/mo
▼ 0.25% · 3.875%
HK$60,319
−HK$1,848/mo
Today · 4.125%
HK$62,167
baseline
▲ 0.50% · 4.625%
HK$65,950
+HK$3,783/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$124,334/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$687,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,079
−HK$3,516/mo
▼ 0.25% · 3.875%
HK$66,825
−HK$1,770/mo
Today · 4.125%
HK$68,595
baseline
▲ 0.50% · 4.625%
HK$72,211
+HK$3,616/mo
Deposit HK$5.50M · loan HK$12.83M · min. income ≈ HK$137,190/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$687,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,213
−HK$4,716/mo
▼ 0.25% · 3.875%
HK$77,552
−HK$2,377/mo
Today · 4.125%
HK$79,929
baseline
▲ 0.50% · 4.625%
HK$84,793
+HK$4,864/mo
Deposit HK$1.83M · loan HK$16.49M · min. income ≈ HK$159,858/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,176 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,674
−HK$4,520/mo
▼ 0.25% · 3.875%
HK$85,918
−HK$2,276/mo
Today · 4.125%
HK$88,194
baseline
▲ 0.50% · 4.625%
HK$92,843
+HK$4,649/mo
Deposit HK$1.83M · loan HK$16.49M · min. income ≈ HK$176,388/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$687,176 · Scale 2, in force from 26 Feb 2026)