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$41,524
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,815
−HK$1,313/mo
Today · 4.125%
HK$44,128
baseline
▲ 0.50% · 4.625%
HK$46,813
+HK$2,685/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,256/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,195
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,434
−HK$1,256/mo
Today · 4.125%
HK$48,690
baseline
▲ 0.50% · 4.625%
HK$51,257
+HK$2,567/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,380/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,828
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,378
−HK$1,575/mo
Today · 4.125%
HK$52,953
baseline
▲ 0.50% · 4.625%
HK$56,175
+HK$3,222/mo
Deposit HK$7.28M · loan HK$10.93M · min. income ≈ HK$105,906/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$682,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,434
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,920
−HK$1,509/mo
Today · 4.125%
HK$58,429
baseline
▲ 0.50% · 4.625%
HK$61,508
+HK$3,079/mo
Deposit HK$7.28M · loan HK$10.93M · min. income ≈ HK$116,858/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$682,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,133
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$59,942
−HK$1,837/mo
Today · 4.125%
HK$61,779
baseline
▲ 0.50% · 4.625%
HK$65,538
+HK$3,759/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$123,558/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$682,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,673
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,407
−HK$1,760/mo
Today · 4.125%
HK$68,167
baseline
▲ 0.50% · 4.625%
HK$71,760
+HK$3,593/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$136,334/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$682,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,743
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$77,068
−HK$2,362/mo
Today · 4.125%
HK$79,430
baseline
▲ 0.50% · 4.625%
HK$84,263
+HK$4,833/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$158,860/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,880 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,151
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$85,381
−HK$2,262/mo
Today · 4.125%
HK$87,643
baseline
▲ 0.50% · 4.625%
HK$92,263
+HK$4,620/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$175,286/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,880 · Scale 2, in force from 26 Feb 2026)