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$41,725
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,023
−HK$1,319/mo
Today · 4.125%
HK$44,342
baseline
▲ 0.50% · 4.625%
HK$47,040
+HK$2,698/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$88,684/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,419
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,664
−HK$1,263/mo
Today · 4.125%
HK$48,927
baseline
▲ 0.50% · 4.625%
HK$51,506
+HK$2,579/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$97,854/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,071
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,628
−HK$1,582/mo
Today · 4.125%
HK$53,210
baseline
▲ 0.50% · 4.625%
HK$56,448
+HK$3,238/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$106,420/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,703
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,197
−HK$1,515/mo
Today · 4.125%
HK$58,712
baseline
▲ 0.50% · 4.625%
HK$61,807
+HK$3,095/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$117,424/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,416
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,233
−HK$1,846/mo
Today · 4.125%
HK$62,079
baseline
▲ 0.50% · 4.625%
HK$65,856
+HK$3,777/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$124,158/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,987
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,730
−HK$1,768/mo
Today · 4.125%
HK$68,498
baseline
▲ 0.50% · 4.625%
HK$72,108
+HK$3,610/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$136,996/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,106
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$77,442
−HK$2,374/mo
Today · 4.125%
HK$79,816
baseline
▲ 0.50% · 4.625%
HK$84,672
+HK$4,856/mo
Deposit HK$1.83M · loan HK$16.47M · min. income ≈ HK$159,632/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,197 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,554
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$85,795
−HK$2,274/mo
Today · 4.125%
HK$88,069
baseline
▲ 0.50% · 4.625%
HK$92,711
+HK$4,642/mo
Deposit HK$1.83M · loan HK$16.47M · min. income ≈ HK$176,138/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,197 · Scale 2, in force from 26 Feb 2026)