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$41,541
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,833
−HK$1,313/mo
Today · 4.125%
HK$44,146
baseline
▲ 0.50% · 4.625%
HK$46,832
+HK$2,686/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,292/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$683,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,214
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,454
−HK$1,257/mo
Today · 4.125%
HK$48,711
baseline
▲ 0.50% · 4.625%
HK$51,279
+HK$2,568/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,422/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$683,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,849
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$51,400
−HK$1,575/mo
Today · 4.125%
HK$52,975
baseline
▲ 0.50% · 4.625%
HK$56,199
+HK$3,224/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$105,950/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,457
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$56,944
−HK$1,509/mo
Today · 4.125%
HK$58,453
baseline
▲ 0.50% · 4.625%
HK$61,534
+HK$3,081/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$116,906/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,158
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$59,967
−HK$1,838/mo
Today · 4.125%
HK$61,805
baseline
▲ 0.50% · 4.625%
HK$65,565
+HK$3,760/mo
Deposit HK$5.47M · loan HK$12.75M · min. income ≈ HK$123,610/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,700
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$66,435
−HK$1,760/mo
Today · 4.125%
HK$68,195
baseline
▲ 0.50% · 4.625%
HK$71,790
+HK$3,595/mo
Deposit HK$5.47M · loan HK$12.75M · min. income ≈ HK$136,390/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,774
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$77,100
−HK$2,363/mo
Today · 4.125%
HK$79,463
baseline
▲ 0.50% · 4.625%
HK$84,298
+HK$4,835/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$158,926/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$683,167 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,186
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$85,417
−HK$2,263/mo
Today · 4.125%
HK$87,680
baseline
▲ 0.50% · 4.625%
HK$92,302
+HK$4,622/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$175,360/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$683,167 · Scale 2, in force from 26 Feb 2026)