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$41,489
−HK$2,601/mo
▼ 0.25% · 3.875%
HK$42,779
−HK$1,311/mo
Today · 4.125%
HK$44,090
baseline
▲ 0.50% · 4.625%
HK$46,773
+HK$2,683/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,180/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,156
−HK$2,493/mo
▼ 0.25% · 3.875%
HK$47,394
−HK$1,255/mo
Today · 4.125%
HK$48,649
baseline
▲ 0.50% · 4.625%
HK$51,214
+HK$2,565/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,298/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,786
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,335
−HK$1,573/mo
Today · 4.125%
HK$52,908
baseline
▲ 0.50% · 4.625%
HK$56,128
+HK$3,220/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$105,816/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,387
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,872
−HK$1,507/mo
Today · 4.125%
HK$58,379
baseline
▲ 0.50% · 4.625%
HK$61,456
+HK$3,077/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$116,758/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,084
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,891
−HK$1,835/mo
Today · 4.125%
HK$61,726
baseline
▲ 0.50% · 4.625%
HK$65,482
+HK$3,756/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$123,452/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,618
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,351
−HK$1,758/mo
Today · 4.125%
HK$68,109
baseline
▲ 0.50% · 4.625%
HK$71,699
+HK$3,590/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$136,218/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,680
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$77,003
−HK$2,360/mo
Today · 4.125%
HK$79,363
baseline
▲ 0.50% · 4.625%
HK$84,192
+HK$4,829/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$158,726/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,303 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,080
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$85,308
−HK$2,261/mo
Today · 4.125%
HK$87,569
baseline
▲ 0.50% · 4.625%
HK$92,185
+HK$4,616/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$175,138/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,303 · Scale 2, in force from 26 Feb 2026)