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$41,539
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,832
−HK$1,312/mo
Today · 4.125%
HK$44,144
baseline
▲ 0.50% · 4.625%
HK$46,830
+HK$2,686/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,288/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$683,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,212
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,452
−HK$1,257/mo
Today · 4.125%
HK$48,709
baseline
▲ 0.50% · 4.625%
HK$51,276
+HK$2,567/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,418/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$683,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,847
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$51,398
−HK$1,575/mo
Today · 4.125%
HK$52,973
baseline
▲ 0.50% · 4.625%
HK$56,196
+HK$3,223/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$105,946/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,455
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$56,942
−HK$1,509/mo
Today · 4.125%
HK$58,451
baseline
▲ 0.50% · 4.625%
HK$61,532
+HK$3,081/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$116,902/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,155
−HK$3,647/mo
▼ 0.25% · 3.875%
HK$59,964
−HK$1,838/mo
Today · 4.125%
HK$61,802
baseline
▲ 0.50% · 4.625%
HK$65,563
+HK$3,761/mo
Deposit HK$5.47M · loan HK$12.75M · min. income ≈ HK$123,604/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,697
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$66,432
−HK$1,760/mo
Today · 4.125%
HK$68,192
baseline
▲ 0.50% · 4.625%
HK$71,787
+HK$3,595/mo
Deposit HK$5.47M · loan HK$12.75M · min. income ≈ HK$136,384/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,771
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$77,097
−HK$2,363/mo
Today · 4.125%
HK$79,460
baseline
▲ 0.50% · 4.625%
HK$84,295
+HK$4,835/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$158,920/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$683,137 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,182
−HK$4,494/mo
▼ 0.25% · 3.875%
HK$85,413
−HK$2,263/mo
Today · 4.125%
HK$87,676
baseline
▲ 0.50% · 4.625%
HK$92,297
+HK$4,621/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$175,352/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$683,137 · Scale 2, in force from 26 Feb 2026)