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$41,525
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,817
−HK$1,312/mo
Today · 4.125%
HK$44,129
baseline
▲ 0.50% · 4.625%
HK$46,815
+HK$2,686/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,258/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,197
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,436
−HK$1,257/mo
Today · 4.125%
HK$48,693
baseline
▲ 0.50% · 4.625%
HK$51,259
+HK$2,566/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,386/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,831
−HK$3,124/mo
▼ 0.25% · 3.875%
HK$51,381
−HK$1,574/mo
Today · 4.125%
HK$52,955
baseline
▲ 0.50% · 4.625%
HK$56,178
+HK$3,223/mo
Deposit HK$7.28M · loan HK$10.93M · min. income ≈ HK$105,910/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$682,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,436
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,923
−HK$1,508/mo
Today · 4.125%
HK$58,431
baseline
▲ 0.50% · 4.625%
HK$61,511
+HK$3,080/mo
Deposit HK$7.28M · loan HK$10.93M · min. income ≈ HK$116,862/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$682,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,136
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,944
−HK$1,837/mo
Today · 4.125%
HK$61,781
baseline
▲ 0.50% · 4.625%
HK$65,541
+HK$3,760/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$123,562/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$682,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,675
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$66,410
−HK$1,760/mo
Today · 4.125%
HK$68,170
baseline
▲ 0.50% · 4.625%
HK$71,763
+HK$3,593/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$136,340/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$682,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,746
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$77,071
−HK$2,362/mo
Today · 4.125%
HK$79,433
baseline
▲ 0.50% · 4.625%
HK$84,266
+HK$4,833/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$158,866/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,908 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,154
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$85,384
−HK$2,263/mo
Today · 4.125%
HK$87,647
baseline
▲ 0.50% · 4.625%
HK$92,267
+HK$4,620/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$175,294/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,908 · Scale 2, in force from 26 Feb 2026)