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$41,533
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,825
−HK$1,312/mo
Today · 4.125%
HK$44,137
baseline
▲ 0.50% · 4.625%
HK$46,823
+HK$2,686/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,274/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$683,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,205
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,444
−HK$1,257/mo
Today · 4.125%
HK$48,701
baseline
▲ 0.50% · 4.625%
HK$51,268
+HK$2,567/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,402/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$683,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,840
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,390
−HK$1,575/mo
Today · 4.125%
HK$52,965
baseline
▲ 0.50% · 4.625%
HK$56,188
+HK$3,223/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$105,930/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,446
−HK$2,996/mo
▼ 0.25% · 3.875%
HK$56,933
−HK$1,509/mo
Today · 4.125%
HK$58,442
baseline
▲ 0.50% · 4.625%
HK$61,522
+HK$3,080/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$116,884/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,146
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$59,955
−HK$1,837/mo
Today · 4.125%
HK$61,792
baseline
▲ 0.50% · 4.625%
HK$65,552
+HK$3,760/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$123,584/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,687
−HK$3,495/mo
▼ 0.25% · 3.875%
HK$66,422
−HK$1,760/mo
Today · 4.125%
HK$68,182
baseline
▲ 0.50% · 4.625%
HK$71,776
+HK$3,594/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$136,364/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,759
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$77,085
−HK$2,362/mo
Today · 4.125%
HK$79,447
baseline
▲ 0.50% · 4.625%
HK$84,282
+HK$4,835/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$158,894/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$683,032 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,169
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$85,400
−HK$2,262/mo
Today · 4.125%
HK$87,662
baseline
▲ 0.50% · 4.625%
HK$92,283
+HK$4,621/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$175,324/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$683,032 · Scale 2, in force from 26 Feb 2026)