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$41,755
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,054
−HK$1,320/mo
Today · 4.125%
HK$44,374
baseline
▲ 0.50% · 4.625%
HK$47,074
+HK$2,700/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$88,748/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,453
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,698
−HK$1,264/mo
Today · 4.125%
HK$48,962
baseline
▲ 0.50% · 4.625%
HK$51,543
+HK$2,581/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$97,924/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,107
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,665
−HK$1,584/mo
Today · 4.125%
HK$53,249
baseline
▲ 0.50% · 4.625%
HK$56,489
+HK$3,240/mo
Deposit HK$7.32M · loan HK$10.99M · min. income ≈ HK$106,498/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,743
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$57,238
−HK$1,517/mo
Today · 4.125%
HK$58,755
baseline
▲ 0.50% · 4.625%
HK$61,852
+HK$3,097/mo
Deposit HK$7.32M · loan HK$10.99M · min. income ≈ HK$117,510/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,458
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,276
−HK$1,847/mo
Today · 4.125%
HK$62,123
baseline
▲ 0.50% · 4.625%
HK$65,904
+HK$3,781/mo
Deposit HK$5.49M · loan HK$12.82M · min. income ≈ HK$124,246/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,034
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,778
−HK$1,769/mo
Today · 4.125%
HK$68,547
baseline
▲ 0.50% · 4.625%
HK$72,160
+HK$3,613/mo
Deposit HK$5.49M · loan HK$12.82M · min. income ≈ HK$137,094/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,160
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$77,498
−HK$2,375/mo
Today · 4.125%
HK$79,873
baseline
▲ 0.50% · 4.625%
HK$84,733
+HK$4,860/mo
Deposit HK$1.83M · loan HK$16.48M · min. income ≈ HK$159,746/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,691 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,615
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$85,857
−HK$2,275/mo
Today · 4.125%
HK$88,132
baseline
▲ 0.50% · 4.625%
HK$92,778
+HK$4,646/mo
Deposit HK$1.83M · loan HK$16.48M · min. income ≈ HK$176,264/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,691 · Scale 2, in force from 26 Feb 2026)