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$41,564
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,857
−HK$1,314/mo
Today · 4.125%
HK$44,171
baseline
▲ 0.50% · 4.625%
HK$46,858
+HK$2,687/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,342/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,240
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,480
−HK$1,258/mo
Today · 4.125%
HK$48,738
baseline
▲ 0.50% · 4.625%
HK$51,307
+HK$2,569/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,476/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,877
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,429
−HK$1,576/mo
Today · 4.125%
HK$53,005
baseline
▲ 0.50% · 4.625%
HK$56,230
+HK$3,225/mo
Deposit HK$7.29M · loan HK$10.94M · min. income ≈ HK$106,010/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,488
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,976
−HK$1,510/mo
Today · 4.125%
HK$58,486
baseline
▲ 0.50% · 4.625%
HK$61,569
+HK$3,083/mo
Deposit HK$7.29M · loan HK$10.94M · min. income ≈ HK$116,972/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,190
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$60,000
−HK$1,839/mo
Today · 4.125%
HK$61,839
baseline
▲ 0.50% · 4.625%
HK$65,602
+HK$3,763/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$123,678/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,736
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,472
−HK$1,761/mo
Today · 4.125%
HK$68,233
baseline
▲ 0.50% · 4.625%
HK$71,830
+HK$3,597/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$136,466/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,816
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$77,143
−HK$2,364/mo
Today · 4.125%
HK$79,507
baseline
▲ 0.50% · 4.625%
HK$84,345
+HK$4,838/mo
Deposit HK$1.82M · loan HK$16.41M · min. income ≈ HK$159,014/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,547 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,232
−HK$4,497/mo
▼ 0.25% · 3.875%
HK$85,464
−HK$2,265/mo
Today · 4.125%
HK$87,729
baseline
▲ 0.50% · 4.625%
HK$92,353
+HK$4,624/mo
Deposit HK$1.82M · loan HK$16.41M · min. income ≈ HK$175,458/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,547 · Scale 2, in force from 26 Feb 2026)