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$41,504
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,795
−HK$1,311/mo
Today · 4.125%
HK$44,106
baseline
▲ 0.50% · 4.625%
HK$46,790
+HK$2,684/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,212/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,173
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,411
−HK$1,256/mo
Today · 4.125%
HK$48,667
baseline
▲ 0.50% · 4.625%
HK$51,232
+HK$2,565/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,334/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,805
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,354
−HK$1,574/mo
Today · 4.125%
HK$52,928
baseline
▲ 0.50% · 4.625%
HK$56,148
+HK$3,220/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$105,856/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,407
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,893
−HK$1,508/mo
Today · 4.125%
HK$58,401
baseline
▲ 0.50% · 4.625%
HK$61,479
+HK$3,078/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$116,802/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,105
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$59,913
−HK$1,836/mo
Today · 4.125%
HK$61,749
baseline
▲ 0.50% · 4.625%
HK$65,506
+HK$3,757/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$123,498/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,642
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,375
−HK$1,759/mo
Today · 4.125%
HK$68,134
baseline
▲ 0.50% · 4.625%
HK$71,725
+HK$3,591/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$136,268/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,707
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$77,031
−HK$2,361/mo
Today · 4.125%
HK$79,392
baseline
▲ 0.50% · 4.625%
HK$84,222
+HK$4,830/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$158,784/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,552 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,111
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$85,340
−HK$2,261/mo
Today · 4.125%
HK$87,601
baseline
▲ 0.50% · 4.625%
HK$92,218
+HK$4,617/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$175,202/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,552 · Scale 2, in force from 26 Feb 2026)