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$41,729
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,027
−HK$1,319/mo
Today · 4.125%
HK$44,346
baseline
▲ 0.50% · 4.625%
HK$47,045
+HK$2,699/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$88,692/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,424
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,669
−HK$1,263/mo
Today · 4.125%
HK$48,932
baseline
▲ 0.50% · 4.625%
HK$51,511
+HK$2,579/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$97,864/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,075
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$51,633
−HK$1,583/mo
Today · 4.125%
HK$53,216
baseline
▲ 0.50% · 4.625%
HK$56,454
+HK$3,238/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$106,432/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,708
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,202
−HK$1,516/mo
Today · 4.125%
HK$58,718
baseline
▲ 0.50% · 4.625%
HK$61,813
+HK$3,095/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$117,436/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,421
−HK$3,664/mo
▼ 0.25% · 3.875%
HK$60,238
−HK$1,847/mo
Today · 4.125%
HK$62,085
baseline
▲ 0.50% · 4.625%
HK$65,862
+HK$3,777/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$124,170/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,993
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,736
−HK$1,768/mo
Today · 4.125%
HK$68,504
baseline
▲ 0.50% · 4.625%
HK$72,115
+HK$3,611/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$137,008/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,113
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$77,449
−HK$2,374/mo
Today · 4.125%
HK$79,823
baseline
▲ 0.50% · 4.625%
HK$84,680
+HK$4,857/mo
Deposit HK$1.83M · loan HK$16.47M · min. income ≈ HK$159,646/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,562
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$85,804
−HK$2,273/mo
Today · 4.125%
HK$88,077
baseline
▲ 0.50% · 4.625%
HK$92,720
+HK$4,643/mo
Deposit HK$1.83M · loan HK$16.47M · min. income ≈ HK$176,154/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,263 · Scale 2, in force from 26 Feb 2026)