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$41,518
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,809
−HK$1,312/mo
Today · 4.125%
HK$44,121
baseline
▲ 0.50% · 4.625%
HK$46,806
+HK$2,685/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,242/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,188
−HK$2,496/mo
▼ 0.25% · 3.875%
HK$47,427
−HK$1,257/mo
Today · 4.125%
HK$48,684
baseline
▲ 0.50% · 4.625%
HK$51,250
+HK$2,566/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,368/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$682,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,821
−HK$3,125/mo
▼ 0.25% · 3.875%
HK$51,371
−HK$1,575/mo
Today · 4.125%
HK$52,946
baseline
▲ 0.50% · 4.625%
HK$56,167
+HK$3,221/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$105,892/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$682,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,426
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,912
−HK$1,508/mo
Today · 4.125%
HK$58,420
baseline
▲ 0.50% · 4.625%
HK$61,500
+HK$3,080/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$116,840/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$682,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,125
−HK$3,645/mo
▼ 0.25% · 3.875%
HK$59,933
−HK$1,837/mo
Today · 4.125%
HK$61,770
baseline
▲ 0.50% · 4.625%
HK$65,529
+HK$3,759/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$123,540/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$682,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,664
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,398
−HK$1,759/mo
Today · 4.125%
HK$68,157
baseline
▲ 0.50% · 4.625%
HK$71,750
+HK$3,593/mo
Deposit HK$5.46M · loan HK$12.75M · min. income ≈ HK$136,314/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$682,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,732
−HK$4,687/mo
▼ 0.25% · 3.875%
HK$77,057
−HK$2,362/mo
Today · 4.125%
HK$79,419
baseline
▲ 0.50% · 4.625%
HK$84,251
+HK$4,832/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$158,838/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,784 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,139
−HK$4,492/mo
▼ 0.25% · 3.875%
HK$85,369
−HK$2,262/mo
Today · 4.125%
HK$87,631
baseline
▲ 0.50% · 4.625%
HK$92,250
+HK$4,619/mo
Deposit HK$1.82M · loan HK$16.39M · min. income ≈ HK$175,262/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,784 · Scale 2, in force from 26 Feb 2026)