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$41,633
−HK$2,611/mo
▼ 0.25% · 3.875%
HK$42,928
−HK$1,316/mo
Today · 4.125%
HK$44,244
baseline
▲ 0.50% · 4.625%
HK$46,936
+HK$2,692/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$88,488/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,317
−HK$2,502/mo
▼ 0.25% · 3.875%
HK$47,559
−HK$1,260/mo
Today · 4.125%
HK$48,819
baseline
▲ 0.50% · 4.625%
HK$51,392
+HK$2,573/mo
Deposit HK$9.13M · loan HK$9.13M · min. income ≈ HK$97,638/mo (50% DSR)
Upfront cash ≈ HK$9.81M (deposit + AVD stamp duty HK$684,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,960
−HK$3,133/mo
▼ 0.25% · 3.875%
HK$51,514
−HK$1,579/mo
Today · 4.125%
HK$53,093
baseline
▲ 0.50% · 4.625%
HK$56,324
+HK$3,231/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$106,186/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,580
−HK$3,003/mo
▼ 0.25% · 3.875%
HK$57,071
−HK$1,512/mo
Today · 4.125%
HK$58,583
baseline
▲ 0.50% · 4.625%
HK$61,671
+HK$3,088/mo
Deposit HK$7.30M · loan HK$10.95M · min. income ≈ HK$117,166/mo (50% DSR)
Upfront cash ≈ HK$7.99M (deposit + AVD stamp duty HK$684,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,287
−HK$3,655/mo
▼ 0.25% · 3.875%
HK$60,100
−HK$1,842/mo
Today · 4.125%
HK$61,942
baseline
▲ 0.50% · 4.625%
HK$65,711
+HK$3,769/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$123,884/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,843
−HK$3,504/mo
▼ 0.25% · 3.875%
HK$66,583
−HK$1,764/mo
Today · 4.125%
HK$68,347
baseline
▲ 0.50% · 4.625%
HK$71,949
+HK$3,602/mo
Deposit HK$5.48M · loan HK$12.78M · min. income ≈ HK$136,694/mo (50% DSR)
Upfront cash ≈ HK$6.16M (deposit + AVD stamp duty HK$684,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,940
−HK$4,700/mo
▼ 0.25% · 3.875%
HK$77,271
−HK$2,369/mo
Today · 4.125%
HK$79,640
baseline
▲ 0.50% · 4.625%
HK$84,485
+HK$4,845/mo
Deposit HK$1.83M · loan HK$16.43M · min. income ≈ HK$159,280/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,683 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,370
−HK$4,504/mo
▼ 0.25% · 3.875%
HK$85,606
−HK$2,268/mo
Today · 4.125%
HK$87,874
baseline
▲ 0.50% · 4.625%
HK$92,506
+HK$4,632/mo
Deposit HK$1.83M · loan HK$16.43M · min. income ≈ HK$175,748/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$684,683 · Scale 2, in force from 26 Feb 2026)