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$41,559
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,852
−HK$1,314/mo
Today · 4.125%
HK$44,166
baseline
▲ 0.50% · 4.625%
HK$46,853
+HK$2,687/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,332/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,234
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,474
−HK$1,258/mo
Today · 4.125%
HK$48,732
baseline
▲ 0.50% · 4.625%
HK$51,301
+HK$2,569/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,464/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,871
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,423
−HK$1,576/mo
Today · 4.125%
HK$52,999
baseline
▲ 0.50% · 4.625%
HK$56,223
+HK$3,224/mo
Deposit HK$7.29M · loan HK$10.94M · min. income ≈ HK$105,998/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,481
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,969
−HK$1,510/mo
Today · 4.125%
HK$58,479
baseline
▲ 0.50% · 4.625%
HK$61,561
+HK$3,082/mo
Deposit HK$7.29M · loan HK$10.94M · min. income ≈ HK$116,958/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,183
−HK$3,649/mo
▼ 0.25% · 3.875%
HK$59,993
−HK$1,839/mo
Today · 4.125%
HK$61,832
baseline
▲ 0.50% · 4.625%
HK$65,594
+HK$3,762/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$123,664/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,728
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,464
−HK$1,761/mo
Today · 4.125%
HK$68,225
baseline
▲ 0.50% · 4.625%
HK$71,821
+HK$3,596/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$136,450/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,807
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$77,134
−HK$2,364/mo
Today · 4.125%
HK$79,498
baseline
▲ 0.50% · 4.625%
HK$84,335
+HK$4,837/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$158,996/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,466 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,222
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$85,454
−HK$2,264/mo
Today · 4.125%
HK$87,718
baseline
▲ 0.50% · 4.625%
HK$92,342
+HK$4,624/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$175,436/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,466 · Scale 2, in force from 26 Feb 2026)