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$41,719
−HK$2,616/mo
▼ 0.25% · 3.875%
HK$43,017
−HK$1,318/mo
Today · 4.125%
HK$44,335
baseline
▲ 0.50% · 4.625%
HK$47,033
+HK$2,698/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$88,670/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$686,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,412
−HK$2,507/mo
▼ 0.25% · 3.875%
HK$47,657
−HK$1,262/mo
Today · 4.125%
HK$48,919
baseline
▲ 0.50% · 4.625%
HK$51,498
+HK$2,579/mo
Deposit HK$9.15M · loan HK$9.15M · min. income ≈ HK$97,838/mo (50% DSR)
Upfront cash ≈ HK$9.83M (deposit + AVD stamp duty HK$686,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$50,063
−HK$3,139/mo
▼ 0.25% · 3.875%
HK$51,620
−HK$1,582/mo
Today · 4.125%
HK$53,202
baseline
▲ 0.50% · 4.625%
HK$56,439
+HK$3,237/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$106,404/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$686,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,694
−HK$3,009/mo
▼ 0.25% · 3.875%
HK$57,188
−HK$1,515/mo
Today · 4.125%
HK$58,703
baseline
▲ 0.50% · 4.625%
HK$61,798
+HK$3,095/mo
Deposit HK$7.32M · loan HK$10.98M · min. income ≈ HK$117,406/mo (50% DSR)
Upfront cash ≈ HK$8.00M (deposit + AVD stamp duty HK$686,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,407
−HK$3,662/mo
▼ 0.25% · 3.875%
HK$60,223
−HK$1,846/mo
Today · 4.125%
HK$62,069
baseline
▲ 0.50% · 4.625%
HK$65,846
+HK$3,777/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$124,138/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$686,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,977
−HK$3,510/mo
▼ 0.25% · 3.875%
HK$66,719
−HK$1,768/mo
Today · 4.125%
HK$68,487
baseline
▲ 0.50% · 4.625%
HK$72,097
+HK$3,610/mo
Deposit HK$5.49M · loan HK$12.81M · min. income ≈ HK$136,974/mo (50% DSR)
Upfront cash ≈ HK$6.17M (deposit + AVD stamp duty HK$686,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$75,094
−HK$4,709/mo
▼ 0.25% · 3.875%
HK$77,430
−HK$2,373/mo
Today · 4.125%
HK$79,803
baseline
▲ 0.50% · 4.625%
HK$84,659
+HK$4,856/mo
Deposit HK$1.83M · loan HK$16.47M · min. income ≈ HK$159,606/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,091 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,541
−HK$4,514/mo
▼ 0.25% · 3.875%
HK$85,782
−HK$2,273/mo
Today · 4.125%
HK$88,055
baseline
▲ 0.50% · 4.625%
HK$92,696
+HK$4,641/mo
Deposit HK$1.83M · loan HK$16.47M · min. income ≈ HK$176,110/mo (50% DSR)
Upfront cash ≈ HK$2.52M (deposit + AVD stamp duty HK$686,091 · Scale 2, in force from 26 Feb 2026)