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$41,724
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,022
−HK$1,318/mo
Today · 4.125%
HK$44,340
baseline
▲ 0.50% · 4.625%
HK$47,038
+HK$2,698/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$88,680/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,418
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,662
−HK$1,263/mo
Today · 4.125%
HK$48,925
baseline
▲ 0.50% · 4.625%
HK$51,504
+HK$2,579/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$97,850/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,069
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$51,626
−HK$1,583/mo
Today · 4.125%
HK$53,209
baseline
▲ 0.50% · 4.625%
HK$56,446
+HK$3,237/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$106,418/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,701
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,195
−HK$1,515/mo
Today · 4.125%
HK$58,710
baseline
▲ 0.50% · 4.625%
HK$61,805
+HK$3,095/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$117,420/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,414
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,231
−HK$1,846/mo
Today · 4.125%
HK$62,077
baseline
▲ 0.50% · 4.625%
HK$65,854
+HK$3,777/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$124,154/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,985
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,727
−HK$1,768/mo
Today · 4.125%
HK$68,495
baseline
▲ 0.50% · 4.625%
HK$72,106
+HK$3,611/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$136,990/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,103
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$77,439
−HK$2,374/mo
Today · 4.125%
HK$79,813
baseline
▲ 0.50% · 4.625%
HK$84,669
+HK$4,856/mo
Deposit HK$1.83M · loan HK$16.47M · min. income ≈ HK$159,626/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,173 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,552
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$85,792
−HK$2,274/mo
Today · 4.125%
HK$88,066
baseline
▲ 0.50% · 4.625%
HK$92,708
+HK$4,642/mo
Deposit HK$1.83M · loan HK$16.47M · min. income ≈ HK$176,132/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,173 · Scale 2, in force from 26 Feb 2026)