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$41,733
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,031
−HK$1,319/mo
Today · 4.125%
HK$44,350
baseline
▲ 0.50% · 4.625%
HK$47,048
+HK$2,698/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$88,700/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,427
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,672
−HK$1,264/mo
Today · 4.125%
HK$48,936
baseline
▲ 0.50% · 4.625%
HK$51,515
+HK$2,579/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$97,872/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,079
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$51,637
−HK$1,583/mo
Today · 4.125%
HK$53,220
baseline
▲ 0.50% · 4.625%
HK$56,458
+HK$3,238/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$106,440/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,713
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,207
−HK$1,516/mo
Today · 4.125%
HK$58,723
baseline
▲ 0.50% · 4.625%
HK$61,818
+HK$3,095/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$117,446/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,426
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,243
−HK$1,847/mo
Today · 4.125%
HK$62,090
baseline
▲ 0.50% · 4.625%
HK$65,868
+HK$3,778/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$124,180/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,998
−HK$3,512/mo
▼ 0.25% · 3.875%
HK$66,741
−HK$1,769/mo
Today · 4.125%
HK$68,510
baseline
▲ 0.50% · 4.625%
HK$72,121
+HK$3,611/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$137,020/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,119
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$77,456
−HK$2,374/mo
Today · 4.125%
HK$79,830
baseline
▲ 0.50% · 4.625%
HK$84,687
+HK$4,857/mo
Deposit HK$1.83M · loan HK$16.47M · min. income ≈ HK$159,660/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,318 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,569
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$85,810
−HK$2,274/mo
Today · 4.125%
HK$88,084
baseline
▲ 0.50% · 4.625%
HK$92,727
+HK$4,643/mo
Deposit HK$1.83M · loan HK$16.47M · min. income ≈ HK$176,168/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,318 · Scale 2, in force from 26 Feb 2026)