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$41,551
−HK$2,606/mo
▼ 0.25% · 3.875%
HK$42,844
−HK$1,313/mo
Today · 4.125%
HK$44,157
baseline
▲ 0.50% · 4.625%
HK$46,844
+HK$2,687/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,314/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$683,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,225
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,465
−HK$1,258/mo
Today · 4.125%
HK$48,723
baseline
▲ 0.50% · 4.625%
HK$51,291
+HK$2,568/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,446/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$683,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,861
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,412
−HK$1,576/mo
Today · 4.125%
HK$52,988
baseline
▲ 0.50% · 4.625%
HK$56,212
+HK$3,224/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$105,976/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,470
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,958
−HK$1,509/mo
Today · 4.125%
HK$58,467
baseline
▲ 0.50% · 4.625%
HK$61,549
+HK$3,082/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$116,934/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,172
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,981
−HK$1,839/mo
Today · 4.125%
HK$61,820
baseline
▲ 0.50% · 4.625%
HK$65,581
+HK$3,761/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$123,640/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,715
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,451
−HK$1,761/mo
Today · 4.125%
HK$68,212
baseline
▲ 0.50% · 4.625%
HK$71,807
+HK$3,595/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$136,424/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,792
−HK$4,690/mo
▼ 0.25% · 3.875%
HK$77,119
−HK$2,363/mo
Today · 4.125%
HK$79,482
baseline
▲ 0.50% · 4.625%
HK$84,319
+HK$4,837/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$158,964/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,331 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,205
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$85,437
−HK$2,264/mo
Today · 4.125%
HK$87,701
baseline
▲ 0.50% · 4.625%
HK$92,324
+HK$4,623/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$175,402/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,331 · Scale 2, in force from 26 Feb 2026)