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$41,755
−HK$2,618/mo
▼ 0.25% · 3.875%
HK$43,054
−HK$1,319/mo
Today · 4.125%
HK$44,373
baseline
▲ 0.50% · 4.625%
HK$47,073
+HK$2,700/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$88,746/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,452
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,698
−HK$1,264/mo
Today · 4.125%
HK$48,962
baseline
▲ 0.50% · 4.625%
HK$51,543
+HK$2,581/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$97,924/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,106
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,665
−HK$1,583/mo
Today · 4.125%
HK$53,248
baseline
▲ 0.50% · 4.625%
HK$56,488
+HK$3,240/mo
Deposit HK$7.32M · loan HK$10.99M · min. income ≈ HK$106,496/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,742
−HK$3,012/mo
▼ 0.25% · 3.875%
HK$57,237
−HK$1,517/mo
Today · 4.125%
HK$58,754
baseline
▲ 0.50% · 4.625%
HK$61,851
+HK$3,097/mo
Deposit HK$7.32M · loan HK$10.99M · min. income ≈ HK$117,508/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,457
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,275
−HK$1,848/mo
Today · 4.125%
HK$62,123
baseline
▲ 0.50% · 4.625%
HK$65,903
+HK$3,780/mo
Deposit HK$5.49M · loan HK$12.82M · min. income ≈ HK$124,246/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,033
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,777
−HK$1,769/mo
Today · 4.125%
HK$68,546
baseline
▲ 0.50% · 4.625%
HK$72,160
+HK$3,614/mo
Deposit HK$5.49M · loan HK$12.82M · min. income ≈ HK$137,092/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,159
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$77,497
−HK$2,375/mo
Today · 4.125%
HK$79,872
baseline
▲ 0.50% · 4.625%
HK$84,732
+HK$4,860/mo
Deposit HK$1.83M · loan HK$16.48M · min. income ≈ HK$159,744/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,684 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,614
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$85,856
−HK$2,275/mo
Today · 4.125%
HK$88,131
baseline
▲ 0.50% · 4.625%
HK$92,777
+HK$4,646/mo
Deposit HK$1.83M · loan HK$16.48M · min. income ≈ HK$176,262/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,684 · Scale 2, in force from 26 Feb 2026)