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$41,747
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,046
−HK$1,319/mo
Today · 4.125%
HK$44,365
baseline
▲ 0.50% · 4.625%
HK$47,065
+HK$2,700/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$88,730/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,444
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,689
−HK$1,264/mo
Today · 4.125%
HK$48,953
baseline
▲ 0.50% · 4.625%
HK$51,533
+HK$2,580/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$97,906/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,097
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,655
−HK$1,584/mo
Today · 4.125%
HK$53,239
baseline
▲ 0.50% · 4.625%
HK$56,478
+HK$3,239/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$106,478/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,732
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,227
−HK$1,516/mo
Today · 4.125%
HK$58,743
baseline
▲ 0.50% · 4.625%
HK$61,840
+HK$3,097/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$117,486/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,446
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,265
−HK$1,847/mo
Today · 4.125%
HK$62,112
baseline
▲ 0.50% · 4.625%
HK$65,891
+HK$3,779/mo
Deposit HK$5.49M · loan HK$12.82M · min. income ≈ HK$124,224/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,021
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,765
−HK$1,769/mo
Today · 4.125%
HK$68,534
baseline
▲ 0.50% · 4.625%
HK$72,147
+HK$3,613/mo
Deposit HK$5.49M · loan HK$12.82M · min. income ≈ HK$137,068/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,145
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$77,483
−HK$2,375/mo
Today · 4.125%
HK$79,858
baseline
▲ 0.50% · 4.625%
HK$84,717
+HK$4,859/mo
Deposit HK$1.83M · loan HK$16.48M · min. income ≈ HK$159,716/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,560 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,599
−HK$4,516/mo
▼ 0.25% · 3.875%
HK$85,841
−HK$2,274/mo
Today · 4.125%
HK$88,115
baseline
▲ 0.50% · 4.625%
HK$92,760
+HK$4,645/mo
Deposit HK$1.83M · loan HK$16.48M · min. income ≈ HK$176,230/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,560 · Scale 2, in force from 26 Feb 2026)