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$41,772
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,071
−HK$1,320/mo
Today · 4.125%
HK$44,391
baseline
▲ 0.50% · 4.625%
HK$47,092
+HK$2,701/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$88,782/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$686,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,470
−HK$2,511/mo
▼ 0.25% · 3.875%
HK$47,717
−HK$1,264/mo
Today · 4.125%
HK$48,981
baseline
▲ 0.50% · 4.625%
HK$51,563
+HK$2,582/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$97,962/mo (50% DSR)
Upfront cash ≈ HK$9.85M (deposit + AVD stamp duty HK$686,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,126
−HK$3,143/mo
▼ 0.25% · 3.875%
HK$51,685
−HK$1,584/mo
Today · 4.125%
HK$53,269
baseline
▲ 0.50% · 4.625%
HK$56,511
+HK$3,242/mo
Deposit HK$7.33M · loan HK$10.99M · min. income ≈ HK$106,538/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,765
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$57,260
−HK$1,517/mo
Today · 4.125%
HK$58,777
baseline
▲ 0.50% · 4.625%
HK$61,876
+HK$3,099/mo
Deposit HK$7.33M · loan HK$10.99M · min. income ≈ HK$117,554/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,480
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,299
−HK$1,848/mo
Today · 4.125%
HK$62,147
baseline
▲ 0.50% · 4.625%
HK$65,929
+HK$3,782/mo
Deposit HK$5.50M · loan HK$12.82M · min. income ≈ HK$124,294/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,059
−HK$3,515/mo
▼ 0.25% · 3.875%
HK$66,803
−HK$1,771/mo
Today · 4.125%
HK$68,574
baseline
▲ 0.50% · 4.625%
HK$72,188
+HK$3,614/mo
Deposit HK$5.50M · loan HK$12.82M · min. income ≈ HK$137,148/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,189
−HK$4,715/mo
▼ 0.25% · 3.875%
HK$77,528
−HK$2,376/mo
Today · 4.125%
HK$79,904
baseline
▲ 0.50% · 4.625%
HK$84,766
+HK$4,862/mo
Deposit HK$1.83M · loan HK$16.49M · min. income ≈ HK$159,808/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,956 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,647
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$85,890
−HK$2,276/mo
Today · 4.125%
HK$88,166
baseline
▲ 0.50% · 4.625%
HK$92,813
+HK$4,647/mo
Deposit HK$1.83M · loan HK$16.49M · min. income ≈ HK$176,332/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,956 · Scale 2, in force from 26 Feb 2026)