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$41,725
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,023
−HK$1,318/mo
Today · 4.125%
HK$44,341
baseline
▲ 0.50% · 4.625%
HK$47,039
+HK$2,698/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$88,682/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,418
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,663
−HK$1,263/mo
Today · 4.125%
HK$48,926
baseline
▲ 0.50% · 4.625%
HK$51,505
+HK$2,579/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$97,852/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,070
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$51,627
−HK$1,583/mo
Today · 4.125%
HK$53,210
baseline
▲ 0.50% · 4.625%
HK$56,447
+HK$3,237/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$106,420/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,702
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,196
−HK$1,515/mo
Today · 4.125%
HK$58,711
baseline
▲ 0.50% · 4.625%
HK$61,806
+HK$3,095/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$117,422/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,415
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,232
−HK$1,846/mo
Today · 4.125%
HK$62,078
baseline
▲ 0.50% · 4.625%
HK$65,855
+HK$3,777/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$124,156/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,986
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,729
−HK$1,768/mo
Today · 4.125%
HK$68,497
baseline
▲ 0.50% · 4.625%
HK$72,107
+HK$3,610/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$136,994/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,105
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$77,441
−HK$2,373/mo
Today · 4.125%
HK$79,814
baseline
▲ 0.50% · 4.625%
HK$84,671
+HK$4,857/mo
Deposit HK$1.83M · loan HK$16.47M · min. income ≈ HK$159,628/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,186 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,553
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$85,794
−HK$2,273/mo
Today · 4.125%
HK$88,067
baseline
▲ 0.50% · 4.625%
HK$92,709
+HK$4,642/mo
Deposit HK$1.83M · loan HK$16.47M · min. income ≈ HK$176,134/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,186 · Scale 2, in force from 26 Feb 2026)