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$41,532
−HK$2,604/mo
▼ 0.25% · 3.875%
HK$42,824
−HK$1,312/mo
Today · 4.125%
HK$44,136
baseline
▲ 0.50% · 4.625%
HK$46,822
+HK$2,686/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,272/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$683,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,204
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,443
−HK$1,257/mo
Today · 4.125%
HK$48,700
baseline
▲ 0.50% · 4.625%
HK$51,267
+HK$2,567/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,400/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$683,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,838
−HK$3,126/mo
▼ 0.25% · 3.875%
HK$51,389
−HK$1,575/mo
Today · 4.125%
HK$52,964
baseline
▲ 0.50% · 4.625%
HK$56,186
+HK$3,222/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$105,928/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,445
−HK$2,995/mo
▼ 0.25% · 3.875%
HK$56,932
−HK$1,508/mo
Today · 4.125%
HK$58,440
baseline
▲ 0.50% · 4.625%
HK$61,521
+HK$3,081/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$116,880/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,145
−HK$3,646/mo
▼ 0.25% · 3.875%
HK$59,953
−HK$1,838/mo
Today · 4.125%
HK$61,791
baseline
▲ 0.50% · 4.625%
HK$65,551
+HK$3,760/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$123,582/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,686
−HK$3,494/mo
▼ 0.25% · 3.875%
HK$66,420
−HK$1,760/mo
Today · 4.125%
HK$68,180
baseline
▲ 0.50% · 4.625%
HK$71,774
+HK$3,594/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$136,360/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,758
−HK$4,688/mo
▼ 0.25% · 3.875%
HK$77,083
−HK$2,363/mo
Today · 4.125%
HK$79,446
baseline
▲ 0.50% · 4.625%
HK$84,280
+HK$4,834/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$158,892/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$683,016 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,167
−HK$4,493/mo
▼ 0.25% · 3.875%
HK$85,398
−HK$2,262/mo
Today · 4.125%
HK$87,660
baseline
▲ 0.50% · 4.625%
HK$92,281
+HK$4,621/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$175,320/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$683,016 · Scale 2, in force from 26 Feb 2026)