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$41,550
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,843
−HK$1,313/mo
Today · 4.125%
HK$44,156
baseline
▲ 0.50% · 4.625%
HK$46,843
+HK$2,687/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,312/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$683,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,225
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,464
−HK$1,258/mo
Today · 4.125%
HK$48,722
baseline
▲ 0.50% · 4.625%
HK$51,290
+HK$2,568/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,444/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$683,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,861
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$51,412
−HK$1,575/mo
Today · 4.125%
HK$52,987
baseline
▲ 0.50% · 4.625%
HK$56,211
+HK$3,224/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$105,974/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,469
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,957
−HK$1,509/mo
Today · 4.125%
HK$58,466
baseline
▲ 0.50% · 4.625%
HK$61,548
+HK$3,082/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$116,932/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,171
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,980
−HK$1,839/mo
Today · 4.125%
HK$61,819
baseline
▲ 0.50% · 4.625%
HK$65,580
+HK$3,761/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$123,638/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,714
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,450
−HK$1,761/mo
Today · 4.125%
HK$68,211
baseline
▲ 0.50% · 4.625%
HK$71,806
+HK$3,595/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$136,422/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,791
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$77,117
−HK$2,364/mo
Today · 4.125%
HK$79,481
baseline
▲ 0.50% · 4.625%
HK$84,317
+HK$4,836/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$158,962/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,320 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,204
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$85,436
−HK$2,263/mo
Today · 4.125%
HK$87,699
baseline
▲ 0.50% · 4.625%
HK$92,322
+HK$4,623/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$175,398/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,320 · Scale 2, in force from 26 Feb 2026)