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$41,486
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,776
−HK$1,311/mo
Today · 4.125%
HK$44,087
baseline
▲ 0.50% · 4.625%
HK$46,770
+HK$2,683/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,174/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,152
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,390
−HK$1,256/mo
Today · 4.125%
HK$48,646
baseline
▲ 0.50% · 4.625%
HK$51,210
+HK$2,564/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,292/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,783
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,331
−HK$1,574/mo
Today · 4.125%
HK$52,905
baseline
▲ 0.50% · 4.625%
HK$56,124
+HK$3,219/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$105,810/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,383
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,868
−HK$1,507/mo
Today · 4.125%
HK$58,375
baseline
▲ 0.50% · 4.625%
HK$61,452
+HK$3,077/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$116,750/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,080
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,886
−HK$1,836/mo
Today · 4.125%
HK$61,722
baseline
▲ 0.50% · 4.625%
HK$65,478
+HK$3,756/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$123,444/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,613
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,346
−HK$1,758/mo
Today · 4.125%
HK$68,104
baseline
▲ 0.50% · 4.625%
HK$71,694
+HK$3,590/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$136,208/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,674
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$76,997
−HK$2,360/mo
Today · 4.125%
HK$79,357
baseline
▲ 0.50% · 4.625%
HK$84,185
+HK$4,828/mo
Deposit HK$1.82M · loan HK$16.37M · min. income ≈ HK$158,714/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,253 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,074
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$85,302
−HK$2,260/mo
Today · 4.125%
HK$87,562
baseline
▲ 0.50% · 4.625%
HK$92,178
+HK$4,616/mo
Deposit HK$1.82M · loan HK$16.37M · min. income ≈ HK$175,124/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,253 · Scale 2, in force from 26 Feb 2026)