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$41,760
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,059
−HK$1,320/mo
Today · 4.125%
HK$44,379
baseline
▲ 0.50% · 4.625%
HK$47,079
+HK$2,700/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$88,758/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,458
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,704
−HK$1,264/mo
Today · 4.125%
HK$48,968
baseline
▲ 0.50% · 4.625%
HK$51,549
+HK$2,581/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$97,936/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,112
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,671
−HK$1,584/mo
Today · 4.125%
HK$53,255
baseline
▲ 0.50% · 4.625%
HK$56,495
+HK$3,240/mo
Deposit HK$7.33M · loan HK$10.99M · min. income ≈ HK$106,510/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,750
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,245
−HK$1,516/mo
Today · 4.125%
HK$58,761
baseline
▲ 0.50% · 4.625%
HK$61,859
+HK$3,098/mo
Deposit HK$7.33M · loan HK$10.99M · min. income ≈ HK$117,522/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,464
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,283
−HK$1,848/mo
Today · 4.125%
HK$62,131
baseline
▲ 0.50% · 4.625%
HK$65,911
+HK$3,780/mo
Deposit HK$5.49M · loan HK$12.82M · min. income ≈ HK$124,262/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,041
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,785
−HK$1,770/mo
Today · 4.125%
HK$68,555
baseline
▲ 0.50% · 4.625%
HK$72,169
+HK$3,614/mo
Deposit HK$5.49M · loan HK$12.82M · min. income ≈ HK$137,110/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,169
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$77,507
−HK$2,375/mo
Today · 4.125%
HK$79,882
baseline
▲ 0.50% · 4.625%
HK$84,743
+HK$4,861/mo
Deposit HK$1.83M · loan HK$16.48M · min. income ≈ HK$159,764/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,771 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,624
−HK$4,518/mo
▼ 0.25% · 3.875%
HK$85,867
−HK$2,275/mo
Today · 4.125%
HK$88,142
baseline
▲ 0.50% · 4.625%
HK$92,788
+HK$4,646/mo
Deposit HK$1.83M · loan HK$16.48M · min. income ≈ HK$176,284/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,771 · Scale 2, in force from 26 Feb 2026)