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$41,731
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,029
−HK$1,319/mo
Today · 4.125%
HK$44,348
baseline
▲ 0.50% · 4.625%
HK$47,046
+HK$2,698/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$88,696/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,425
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,670
−HK$1,263/mo
Today · 4.125%
HK$48,933
baseline
▲ 0.50% · 4.625%
HK$51,513
+HK$2,580/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$97,866/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,077
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$51,635
−HK$1,582/mo
Today · 4.125%
HK$53,217
baseline
▲ 0.50% · 4.625%
HK$56,456
+HK$3,239/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$106,434/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,710
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,204
−HK$1,516/mo
Today · 4.125%
HK$58,720
baseline
▲ 0.50% · 4.625%
HK$61,815
+HK$3,095/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$117,440/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,423
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,241
−HK$1,846/mo
Today · 4.125%
HK$62,087
baseline
▲ 0.50% · 4.625%
HK$65,865
+HK$3,778/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$124,174/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,995
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,738
−HK$1,769/mo
Today · 4.125%
HK$68,507
baseline
▲ 0.50% · 4.625%
HK$72,118
+HK$3,611/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$137,014/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,116
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$77,452
−HK$2,374/mo
Today · 4.125%
HK$79,826
baseline
▲ 0.50% · 4.625%
HK$84,683
+HK$4,857/mo
Deposit HK$1.83M · loan HK$16.47M · min. income ≈ HK$159,652/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,287 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,565
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$85,807
−HK$2,273/mo
Today · 4.125%
HK$88,080
baseline
▲ 0.50% · 4.625%
HK$92,723
+HK$4,643/mo
Deposit HK$1.83M · loan HK$16.47M · min. income ≈ HK$176,160/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,287 · Scale 2, in force from 26 Feb 2026)