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$41,487
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,777
−HK$1,311/mo
Today · 4.125%
HK$44,088
baseline
▲ 0.50% · 4.625%
HK$46,771
+HK$2,683/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,176/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,154
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,392
−HK$1,255/mo
Today · 4.125%
HK$48,647
baseline
▲ 0.50% · 4.625%
HK$51,212
+HK$2,565/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,294/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,784
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,333
−HK$1,573/mo
Today · 4.125%
HK$52,906
baseline
▲ 0.50% · 4.625%
HK$56,125
+HK$3,219/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$105,812/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,384
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,870
−HK$1,507/mo
Today · 4.125%
HK$58,377
baseline
▲ 0.50% · 4.625%
HK$61,454
+HK$3,077/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$116,754/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,082
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,888
−HK$1,836/mo
Today · 4.125%
HK$61,724
baseline
▲ 0.50% · 4.625%
HK$65,480
+HK$3,756/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$123,448/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,615
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,348
−HK$1,758/mo
Today · 4.125%
HK$68,106
baseline
▲ 0.50% · 4.625%
HK$71,696
+HK$3,590/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$136,212/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,676
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$76,999
−HK$2,360/mo
Today · 4.125%
HK$79,359
baseline
▲ 0.50% · 4.625%
HK$84,188
+HK$4,829/mo
Deposit HK$1.82M · loan HK$16.37M · min. income ≈ HK$158,718/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,273 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,077
−HK$4,488/mo
▼ 0.25% · 3.875%
HK$85,305
−HK$2,260/mo
Today · 4.125%
HK$87,565
baseline
▲ 0.50% · 4.625%
HK$92,181
+HK$4,616/mo
Deposit HK$1.82M · loan HK$16.37M · min. income ≈ HK$175,130/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,273 · Scale 2, in force from 26 Feb 2026)