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$41,754
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,053
−HK$1,320/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$686,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,451
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,697
−HK$1,264/mo
Today · 4.125%
HK$48,961
baseline
▲ 0.50% · 4.625%
HK$51,542
+HK$2,581/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$97,922/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,105
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,664
−HK$1,583/mo
Today · 4.125%
HK$53,247
baseline
▲ 0.50% · 4.625%
HK$56,487
+HK$3,240/mo
Deposit HK$7.32M · loan HK$10.99M · min. income ≈ HK$106,494/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,742
−HK$3,011/mo
▼ 0.25% · 3.875%
HK$57,237
−HK$1,516/mo
Today · 4.125%
HK$58,753
baseline
▲ 0.50% · 4.625%
HK$61,850
+HK$3,097/mo
Deposit HK$7.32M · loan HK$10.99M · min. income ≈ HK$117,506/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,456
−HK$3,666/mo
▼ 0.25% · 3.875%
HK$60,275
−HK$1,847/mo
Today · 4.125%
HK$62,122
baseline
▲ 0.50% · 4.625%
HK$65,902
+HK$3,780/mo
Deposit HK$5.49M · loan HK$12.82M · min. income ≈ HK$124,244/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,032
−HK$3,513/mo
▼ 0.25% · 3.875%
HK$66,776
−HK$1,769/mo
Today · 4.125%
HK$68,545
baseline
▲ 0.50% · 4.625%
HK$72,159
+HK$3,614/mo
Deposit HK$5.49M · loan HK$12.82M · min. income ≈ HK$137,090/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,158
−HK$4,713/mo
▼ 0.25% · 3.875%
HK$77,496
−HK$2,375/mo
Today · 4.125%
HK$79,871
baseline
▲ 0.50% · 4.625%
HK$84,731
+HK$4,860/mo
Deposit HK$1.83M · loan HK$16.48M · min. income ≈ HK$159,742/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,674 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,613
−HK$4,517/mo
▼ 0.25% · 3.875%
HK$85,855
−HK$2,275/mo
Today · 4.125%
HK$88,130
baseline
▲ 0.50% · 4.625%
HK$92,775
+HK$4,645/mo
Deposit HK$1.83M · loan HK$16.48M · min. income ≈ HK$176,260/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,674 · Scale 2, in force from 26 Feb 2026)