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$41,765
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,064
−HK$1,320/mo
Today · 4.125%
HK$44,384
baseline
▲ 0.50% · 4.625%
HK$47,084
+HK$2,700/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$88,768/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,463
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,709
−HK$1,264/mo
Today · 4.125%
HK$48,973
baseline
▲ 0.50% · 4.625%
HK$51,555
+HK$2,582/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$97,946/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,118
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,677
−HK$1,584/mo
Today · 4.125%
HK$53,261
baseline
▲ 0.50% · 4.625%
HK$56,501
+HK$3,240/mo
Deposit HK$7.33M · loan HK$10.99M · min. income ≈ HK$106,522/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,755
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,251
−HK$1,517/mo
Today · 4.125%
HK$58,768
baseline
▲ 0.50% · 4.625%
HK$61,866
+HK$3,098/mo
Deposit HK$7.33M · loan HK$10.99M · min. income ≈ HK$117,536/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,471
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,289
−HK$1,848/mo
Today · 4.125%
HK$62,137
baseline
▲ 0.50% · 4.625%
HK$65,918
+HK$3,781/mo
Deposit HK$5.49M · loan HK$12.82M · min. income ≈ HK$124,274/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,048
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,793
−HK$1,769/mo
Today · 4.125%
HK$68,562
baseline
▲ 0.50% · 4.625%
HK$72,176
+HK$3,614/mo
Deposit HK$5.49M · loan HK$12.82M · min. income ≈ HK$137,124/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,177
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$77,515
−HK$2,376/mo
Today · 4.125%
HK$79,891
baseline
▲ 0.50% · 4.625%
HK$84,752
+HK$4,861/mo
Deposit HK$1.83M · loan HK$16.48M · min. income ≈ HK$159,782/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,844 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,633
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$85,876
−HK$2,276/mo
Today · 4.125%
HK$88,152
baseline
▲ 0.50% · 4.625%
HK$92,798
+HK$4,646/mo
Deposit HK$1.83M · loan HK$16.48M · min. income ≈ HK$176,304/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,844 · Scale 2, in force from 26 Feb 2026)