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$41,529
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,820
−HK$1,313/mo
Today · 4.125%
HK$44,133
baseline
▲ 0.50% · 4.625%
HK$46,818
+HK$2,685/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,266/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,200
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,439
−HK$1,257/mo
Today · 4.125%
HK$48,696
baseline
▲ 0.50% · 4.625%
HK$51,263
+HK$2,567/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,392/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,834
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,384
−HK$1,575/mo
Today · 4.125%
HK$52,959
baseline
▲ 0.50% · 4.625%
HK$56,182
+HK$3,223/mo
Deposit HK$7.28M · loan HK$10.93M · min. income ≈ HK$105,918/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$682,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,440
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,927
−HK$1,508/mo
Today · 4.125%
HK$58,435
baseline
▲ 0.50% · 4.625%
HK$61,516
+HK$3,081/mo
Deposit HK$7.28M · loan HK$10.93M · min. income ≈ HK$116,870/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$682,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,140
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$59,948
−HK$1,838/mo
Today · 4.125%
HK$61,786
baseline
▲ 0.50% · 4.625%
HK$65,545
+HK$3,759/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$123,572/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$682,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,680
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$66,415
−HK$1,760/mo
Today · 4.125%
HK$68,175
baseline
▲ 0.50% · 4.625%
HK$71,768
+HK$3,593/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$136,350/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$682,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,751
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$77,077
−HK$2,362/mo
Today · 4.125%
HK$79,439
baseline
▲ 0.50% · 4.625%
HK$84,273
+HK$4,834/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$158,878/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,959 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,160
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$85,391
−HK$2,262/mo
Today · 4.125%
HK$87,653
baseline
▲ 0.50% · 4.625%
HK$92,273
+HK$4,620/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$175,306/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,959 · Scale 2, in force from 26 Feb 2026)