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$41,730
−HK$2,617/mo
▼ 0.25% · 3.875%
HK$43,028
−HK$1,319/mo
Today · 4.125%
HK$44,347
baseline
▲ 0.50% · 4.625%
HK$47,045
+HK$2,698/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$88,694/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,424
−HK$2,508/mo
▼ 0.25% · 3.875%
HK$47,669
−HK$1,263/mo
Today · 4.125%
HK$48,932
baseline
▲ 0.50% · 4.625%
HK$51,512
+HK$2,580/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$97,864/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,076
−HK$3,140/mo
▼ 0.25% · 3.875%
HK$51,634
−HK$1,582/mo
Today · 4.125%
HK$53,216
baseline
▲ 0.50% · 4.625%
HK$56,454
+HK$3,238/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$106,432/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,709
−HK$3,010/mo
▼ 0.25% · 3.875%
HK$57,203
−HK$1,516/mo
Today · 4.125%
HK$58,719
baseline
▲ 0.50% · 4.625%
HK$61,814
+HK$3,095/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$117,438/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,422
−HK$3,663/mo
▼ 0.25% · 3.875%
HK$60,239
−HK$1,846/mo
Today · 4.125%
HK$62,085
baseline
▲ 0.50% · 4.625%
HK$65,863
+HK$3,778/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$124,170/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,994
−HK$3,511/mo
▼ 0.25% · 3.875%
HK$66,737
−HK$1,768/mo
Today · 4.125%
HK$68,505
baseline
▲ 0.50% · 4.625%
HK$72,116
+HK$3,611/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$137,010/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,114
−HK$4,710/mo
▼ 0.25% · 3.875%
HK$77,450
−HK$2,374/mo
Today · 4.125%
HK$79,824
baseline
▲ 0.50% · 4.625%
HK$84,681
+HK$4,857/mo
Deposit HK$1.83M · loan HK$16.47M · min. income ≈ HK$159,648/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,270 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,563
−HK$4,515/mo
▼ 0.25% · 3.875%
HK$85,804
−HK$2,274/mo
Today · 4.125%
HK$88,078
baseline
▲ 0.50% · 4.625%
HK$92,721
+HK$4,643/mo
Deposit HK$1.83M · loan HK$16.47M · min. income ≈ HK$176,156/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,270 · Scale 2, in force from 26 Feb 2026)