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$41,508
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,799
−HK$1,312/mo
Today · 4.125%
HK$44,111
baseline
▲ 0.50% · 4.625%
HK$46,795
+HK$2,684/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,222/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,177
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,415
−HK$1,257/mo
Today · 4.125%
HK$48,672
baseline
▲ 0.50% · 4.625%
HK$51,237
+HK$2,565/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,344/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,809
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$51,359
−HK$1,574/mo
Today · 4.125%
HK$52,933
baseline
▲ 0.50% · 4.625%
HK$56,153
+HK$3,220/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$105,866/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,412
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,898
−HK$1,508/mo
Today · 4.125%
HK$58,406
baseline
▲ 0.50% · 4.625%
HK$61,485
+HK$3,079/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$116,812/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,111
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$59,918
−HK$1,837/mo
Today · 4.125%
HK$61,755
baseline
▲ 0.50% · 4.625%
HK$65,512
+HK$3,757/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$123,510/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,648
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,381
−HK$1,759/mo
Today · 4.125%
HK$68,140
baseline
▲ 0.50% · 4.625%
HK$71,732
+HK$3,592/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$136,280/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,714
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$77,038
−HK$2,361/mo
Today · 4.125%
HK$79,399
baseline
▲ 0.50% · 4.625%
HK$84,230
+HK$4,831/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$158,798/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,616 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,118
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$85,348
−HK$2,261/mo
Today · 4.125%
HK$87,609
baseline
▲ 0.50% · 4.625%
HK$92,227
+HK$4,618/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$175,218/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,616 · Scale 2, in force from 26 Feb 2026)