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$41,497
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,788
−HK$1,312/mo
Today · 4.125%
HK$44,100
baseline
▲ 0.50% · 4.625%
HK$46,783
+HK$2,683/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,200/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,165
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,404
−HK$1,256/mo
Today · 4.125%
HK$48,660
baseline
▲ 0.50% · 4.625%
HK$51,224
+HK$2,564/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,320/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,797
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,346
−HK$1,574/mo
Today · 4.125%
HK$52,920
baseline
▲ 0.50% · 4.625%
HK$56,140
+HK$3,220/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$105,840/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,398
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,884
−HK$1,507/mo
Today · 4.125%
HK$58,391
baseline
▲ 0.50% · 4.625%
HK$61,469
+HK$3,078/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$116,782/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,096
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,903
−HK$1,836/mo
Today · 4.125%
HK$61,739
baseline
▲ 0.50% · 4.625%
HK$65,496
+HK$3,757/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$123,478/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,632
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,365
−HK$1,758/mo
Today · 4.125%
HK$68,123
baseline
▲ 0.50% · 4.625%
HK$71,714
+HK$3,591/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$136,246/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,695
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$77,019
−HK$2,360/mo
Today · 4.125%
HK$79,379
baseline
▲ 0.50% · 4.625%
HK$84,209
+HK$4,830/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$158,758/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,446 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,098
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$85,326
−HK$2,261/mo
Today · 4.125%
HK$87,587
baseline
▲ 0.50% · 4.625%
HK$92,204
+HK$4,617/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$175,174/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,446 · Scale 2, in force from 26 Feb 2026)