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$41,764
−HK$2,619/mo
▼ 0.25% · 3.875%
HK$43,063
−HK$1,320/mo
Today · 4.125%
HK$44,383
baseline
▲ 0.50% · 4.625%
HK$47,083
+HK$2,700/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$88,766/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,462
−HK$2,510/mo
▼ 0.25% · 3.875%
HK$47,708
−HK$1,264/mo
Today · 4.125%
HK$48,972
baseline
▲ 0.50% · 4.625%
HK$51,554
+HK$2,582/mo
Deposit HK$9.16M · loan HK$9.16M · min. income ≈ HK$97,944/mo (50% DSR)
Upfront cash ≈ HK$9.84M (deposit + AVD stamp duty HK$686,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,117
−HK$3,142/mo
▼ 0.25% · 3.875%
HK$51,676
−HK$1,583/mo
Today · 4.125%
HK$53,259
baseline
▲ 0.50% · 4.625%
HK$56,500
+HK$3,241/mo
Deposit HK$7.33M · loan HK$10.99M · min. income ≈ HK$106,518/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,754
−HK$3,013/mo
▼ 0.25% · 3.875%
HK$57,250
−HK$1,517/mo
Today · 4.125%
HK$58,767
baseline
▲ 0.50% · 4.625%
HK$61,864
+HK$3,097/mo
Deposit HK$7.33M · loan HK$10.99M · min. income ≈ HK$117,534/mo (50% DSR)
Upfront cash ≈ HK$8.01M (deposit + AVD stamp duty HK$686,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,469
−HK$3,667/mo
▼ 0.25% · 3.875%
HK$60,288
−HK$1,848/mo
Today · 4.125%
HK$62,136
baseline
▲ 0.50% · 4.625%
HK$65,917
+HK$3,781/mo
Deposit HK$5.49M · loan HK$12.82M · min. income ≈ HK$124,272/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$65,047
−HK$3,514/mo
▼ 0.25% · 3.875%
HK$66,791
−HK$1,770/mo
Today · 4.125%
HK$68,561
baseline
▲ 0.50% · 4.625%
HK$72,175
+HK$3,614/mo
Deposit HK$5.49M · loan HK$12.82M · min. income ≈ HK$137,122/mo (50% DSR)
Upfront cash ≈ HK$6.18M (deposit + AVD stamp duty HK$686,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,175
−HK$4,714/mo
▼ 0.25% · 3.875%
HK$77,513
−HK$2,376/mo
Today · 4.125%
HK$79,889
baseline
▲ 0.50% · 4.625%
HK$84,750
+HK$4,861/mo
Deposit HK$1.83M · loan HK$16.48M · min. income ≈ HK$159,778/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,830 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,631
−HK$4,519/mo
▼ 0.25% · 3.875%
HK$85,874
−HK$2,276/mo
Today · 4.125%
HK$88,150
baseline
▲ 0.50% · 4.625%
HK$92,796
+HK$4,646/mo
Deposit HK$1.83M · loan HK$16.48M · min. income ≈ HK$176,300/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,830 · Scale 2, in force from 26 Feb 2026)