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$41,734
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,032
−HK$1,319/mo
Today · 4.125%
HK$44,351
baseline
▲ 0.50% · 4.625%
HK$47,050
+HK$2,699/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$88,702/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,429
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,674
−HK$1,263/mo
Today · 4.125%
HK$48,937
baseline
▲ 0.50% · 4.625%
HK$51,517
+HK$2,580/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$97,874/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,081
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$51,639
−HK$1,582/mo
Today · 4.125%
HK$53,221
baseline
▲ 0.50% · 4.625%
HK$56,460
+HK$3,239/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$106,442/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,715
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,209
−HK$1,516/mo
Today · 4.125%
HK$58,725
baseline
▲ 0.50% · 4.625%
HK$61,820
+HK$3,095/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$117,450/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,428
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,245
−HK$1,847/mo
Today · 4.125%
HK$62,092
baseline
▲ 0.50% · 4.625%
HK$65,870
+HK$3,778/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$124,184/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,000
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,744
−HK$1,768/mo
Today · 4.125%
HK$68,512
baseline
▲ 0.50% · 4.625%
HK$72,123
+HK$3,611/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$137,024/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,121
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$77,458
−HK$2,374/mo
Today · 4.125%
HK$79,832
baseline
▲ 0.50% · 4.625%
HK$84,690
+HK$4,858/mo
Deposit HK$1.83M · loan HK$16.47M · min. income ≈ HK$159,664/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,340 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,572
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$85,813
−HK$2,274/mo
Today · 4.125%
HK$88,087
baseline
▲ 0.50% · 4.625%
HK$92,730
+HK$4,643/mo
Deposit HK$1.83M · loan HK$16.47M · min. income ≈ HK$176,174/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,340 · Scale 2, in force from 26 Feb 2026)