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$41,751
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,049
−HK$1,320/mo
Today · 4.125%
HK$44,369
baseline
▲ 0.50% · 4.625%
HK$47,069
+HK$2,700/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$88,738/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,447
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,693
−HK$1,264/mo
Today · 4.125%
HK$48,957
baseline
▲ 0.50% · 4.625%
HK$51,537
+HK$2,580/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$97,914/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,101
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,659
−HK$1,584/mo
Today · 4.125%
HK$53,243
baseline
▲ 0.50% · 4.625%
HK$56,482
+HK$3,239/mo
Deposit HK$7.32M · loan HK$10.99M · min. income ≈ HK$106,486/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,737
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,232
−HK$1,516/mo
Today · 4.125%
HK$58,748
baseline
▲ 0.50% · 4.625%
HK$61,845
+HK$3,097/mo
Deposit HK$7.32M · loan HK$10.99M · min. income ≈ HK$117,496/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,451
−HK$3,665/mo
▼ 0.25% · 3.875%
HK$60,269
−HK$1,847/mo
Today · 4.125%
HK$62,116
baseline
▲ 0.50% · 4.625%
HK$65,896
+HK$3,780/mo
Deposit HK$5.49M · loan HK$12.82M · min. income ≈ HK$124,232/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,026
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,770
−HK$1,769/mo
Today · 4.125%
HK$68,539
baseline
▲ 0.50% · 4.625%
HK$72,152
+HK$3,613/mo
Deposit HK$5.49M · loan HK$12.82M · min. income ≈ HK$137,078/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,151
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$77,489
−HK$2,375/mo
Today · 4.125%
HK$79,864
baseline
▲ 0.50% · 4.625%
HK$84,724
+HK$4,860/mo
Deposit HK$1.83M · loan HK$16.48M · min. income ≈ HK$159,728/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,614 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,605
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$85,847
−HK$2,275/mo
Today · 4.125%
HK$88,122
baseline
▲ 0.50% · 4.625%
HK$92,767
+HK$4,645/mo
Deposit HK$1.83M · loan HK$16.48M · min. income ≈ HK$176,244/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,614 · Scale 2, in force from 26 Feb 2026)