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$41,577
−HK$2,608/mo
▼ 0.25% · 3.875%
HK$42,871
−HK$1,314/mo
Today · 4.125%
HK$44,185
baseline
▲ 0.50% · 4.625%
HK$46,873
+HK$2,688/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$88,370/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,254
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,495
−HK$1,258/mo
Today · 4.125%
HK$48,753
baseline
▲ 0.50% · 4.625%
HK$51,323
+HK$2,570/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$97,506/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,893
−HK$3,129/mo
▼ 0.25% · 3.875%
HK$51,445
−HK$1,577/mo
Today · 4.125%
HK$53,022
baseline
▲ 0.50% · 4.625%
HK$56,248
+HK$3,226/mo
Deposit HK$7.29M · loan HK$10.94M · min. income ≈ HK$106,044/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$683,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,505
−HK$2,999/mo
▼ 0.25% · 3.875%
HK$56,994
−HK$1,510/mo
Today · 4.125%
HK$58,504
baseline
▲ 0.50% · 4.625%
HK$61,588
+HK$3,084/mo
Deposit HK$7.29M · loan HK$10.94M · min. income ≈ HK$117,008/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$683,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,208
−HK$3,651/mo
▼ 0.25% · 3.875%
HK$60,019
−HK$1,840/mo
Today · 4.125%
HK$61,859
baseline
▲ 0.50% · 4.625%
HK$65,623
+HK$3,764/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$123,718/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,756
−HK$3,499/mo
▼ 0.25% · 3.875%
HK$66,493
−HK$1,762/mo
Today · 4.125%
HK$68,255
baseline
▲ 0.50% · 4.625%
HK$71,853
+HK$3,598/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$136,510/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,839
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$77,167
−HK$2,365/mo
Today · 4.125%
HK$79,532
baseline
▲ 0.50% · 4.625%
HK$84,372
+HK$4,840/mo
Deposit HK$1.82M · loan HK$16.41M · min. income ≈ HK$159,064/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,763 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,258
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$85,491
−HK$2,265/mo
Today · 4.125%
HK$87,756
baseline
▲ 0.50% · 4.625%
HK$92,382
+HK$4,626/mo
Deposit HK$1.82M · loan HK$16.41M · min. income ≈ HK$175,512/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,763 · Scale 2, in force from 26 Feb 2026)