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$41,732
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,030
−HK$1,319/mo
Today · 4.125%
HK$44,349
baseline
▲ 0.50% · 4.625%
HK$47,047
+HK$2,698/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$88,698/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,426
−HK$2,509/mo
▼ 0.25% · 3.875%
HK$47,671
−HK$1,264/mo
Today · 4.125%
HK$48,935
baseline
▲ 0.50% · 4.625%
HK$51,514
+HK$2,579/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$97,870/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,078
−HK$3,141/mo
▼ 0.25% · 3.875%
HK$51,636
−HK$1,583/mo
Today · 4.125%
HK$53,219
baseline
▲ 0.50% · 4.625%
HK$56,457
+HK$3,238/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$106,438/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,712
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,206
−HK$1,516/mo
Today · 4.125%
HK$58,722
baseline
▲ 0.50% · 4.625%
HK$61,817
+HK$3,095/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$117,444/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,425
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,242
−HK$1,846/mo
Today · 4.125%
HK$62,088
baseline
▲ 0.50% · 4.625%
HK$65,866
+HK$3,778/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$124,176/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,997
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,740
−HK$1,768/mo
Today · 4.125%
HK$68,508
baseline
▲ 0.50% · 4.625%
HK$72,120
+HK$3,612/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$137,016/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,117
−HK$4,711/mo
▼ 0.25% · 3.875%
HK$77,454
−HK$2,374/mo
Today · 4.125%
HK$79,828
baseline
▲ 0.50% · 4.625%
HK$84,685
+HK$4,857/mo
Deposit HK$1.83M · loan HK$16.47M · min. income ≈ HK$159,656/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,567
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$85,809
−HK$2,273/mo
Today · 4.125%
HK$88,082
baseline
▲ 0.50% · 4.625%
HK$92,725
+HK$4,643/mo
Deposit HK$1.83M · loan HK$16.47M · min. income ≈ HK$176,164/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,303 · Scale 2, in force from 26 Feb 2026)