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$41,758
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,057
−HK$1,320/mo
Today · 4.125%
HK$44,377
baseline
▲ 0.50% · 4.625%
HK$47,077
+HK$2,700/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$88,754/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,455
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,701
−HK$1,264/mo
Today · 4.125%
HK$48,965
baseline
▲ 0.50% · 4.625%
HK$51,546
+HK$2,581/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$97,930/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,110
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,668
−HK$1,584/mo
Today · 4.125%
HK$53,252
baseline
▲ 0.50% · 4.625%
HK$56,492
+HK$3,240/mo
Deposit HK$7.33M · loan HK$10.99M · min. income ≈ HK$106,504/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,746
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$57,241
−HK$1,517/mo
Today · 4.125%
HK$58,758
baseline
▲ 0.50% · 4.625%
HK$61,855
+HK$3,097/mo
Deposit HK$7.33M · loan HK$10.99M · min. income ≈ HK$117,516/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,461
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,280
−HK$1,847/mo
Today · 4.125%
HK$62,127
baseline
▲ 0.50% · 4.625%
HK$65,907
+HK$3,780/mo
Deposit HK$5.49M · loan HK$12.82M · min. income ≈ HK$124,254/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,037
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,782
−HK$1,769/mo
Today · 4.125%
HK$68,551
baseline
▲ 0.50% · 4.625%
HK$72,165
+HK$3,614/mo
Deposit HK$5.49M · loan HK$12.82M · min. income ≈ HK$137,102/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,164
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$77,502
−HK$2,376/mo
Today · 4.125%
HK$79,878
baseline
▲ 0.50% · 4.625%
HK$84,738
+HK$4,860/mo
Deposit HK$1.83M · loan HK$16.48M · min. income ≈ HK$159,756/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,732 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,620
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$85,862
−HK$2,275/mo
Today · 4.125%
HK$88,137
baseline
▲ 0.50% · 4.625%
HK$92,783
+HK$4,646/mo
Deposit HK$1.83M · loan HK$16.48M · min. income ≈ HK$176,274/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,732 · Scale 2, in force from 26 Feb 2026)