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$41,513
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,804
−HK$1,312/mo
Today · 4.125%
HK$44,116
baseline
▲ 0.50% · 4.625%
HK$46,801
+HK$2,685/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,232/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,183
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,422
−HK$1,256/mo
Today · 4.125%
HK$48,678
baseline
▲ 0.50% · 4.625%
HK$51,244
+HK$2,566/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,356/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,816
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$51,365
−HK$1,575/mo
Today · 4.125%
HK$52,940
baseline
▲ 0.50% · 4.625%
HK$56,161
+HK$3,221/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$105,880/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,420
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,906
−HK$1,508/mo
Today · 4.125%
HK$58,414
baseline
▲ 0.50% · 4.625%
HK$61,493
+HK$3,079/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$116,828/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,118
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,926
−HK$1,837/mo
Today · 4.125%
HK$61,763
baseline
▲ 0.50% · 4.625%
HK$65,521
+HK$3,758/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$123,526/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,656
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,390
−HK$1,759/mo
Today · 4.125%
HK$68,149
baseline
▲ 0.50% · 4.625%
HK$71,742
+HK$3,593/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$136,298/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,724
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$77,048
−HK$2,361/mo
Today · 4.125%
HK$79,409
baseline
▲ 0.50% · 4.625%
HK$84,241
+HK$4,832/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$158,818/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,705 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,129
−HK$4,491/mo
▼ 0.25% · 3.875%
HK$85,359
−HK$2,261/mo
Today · 4.125%
HK$87,620
baseline
▲ 0.50% · 4.625%
HK$92,239
+HK$4,619/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$175,240/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,705 · Scale 2, in force from 26 Feb 2026)