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$41,490
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,780
−HK$1,312/mo
Today · 4.125%
HK$44,092
baseline
▲ 0.50% · 4.625%
HK$46,774
+HK$2,682/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,184/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,157
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,395
−HK$1,256/mo
Today · 4.125%
HK$48,651
baseline
▲ 0.50% · 4.625%
HK$51,215
+HK$2,564/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,302/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,788
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,336
−HK$1,574/mo
Today · 4.125%
HK$52,910
baseline
▲ 0.50% · 4.625%
HK$56,129
+HK$3,219/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$105,820/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,388
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,874
−HK$1,507/mo
Today · 4.125%
HK$58,381
baseline
▲ 0.50% · 4.625%
HK$61,458
+HK$3,077/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$116,762/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,086
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,893
−HK$1,835/mo
Today · 4.125%
HK$61,728
baseline
▲ 0.50% · 4.625%
HK$65,484
+HK$3,756/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$123,456/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,620
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,353
−HK$1,758/mo
Today · 4.125%
HK$68,111
baseline
▲ 0.50% · 4.625%
HK$71,701
+HK$3,590/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$136,222/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,682
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$77,005
−HK$2,360/mo
Today · 4.125%
HK$79,365
baseline
▲ 0.50% · 4.625%
HK$84,194
+HK$4,829/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$158,730/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,322 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,083
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$85,311
−HK$2,260/mo
Today · 4.125%
HK$87,571
baseline
▲ 0.50% · 4.625%
HK$92,187
+HK$4,616/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$175,142/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,322 · Scale 2, in force from 26 Feb 2026)