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$41,554
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,846
−HK$1,313/mo
Today · 4.125%
HK$44,159
baseline
▲ 0.50% · 4.625%
HK$46,846
+HK$2,687/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,318/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$683,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,228
−HK$2,497/mo
▼ 0.25% · 3.875%
HK$47,468
−HK$1,257/mo
Today · 4.125%
HK$48,725
baseline
▲ 0.50% · 4.625%
HK$51,294
+HK$2,569/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,450/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$683,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,864
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,415
−HK$1,576/mo
Today · 4.125%
HK$52,991
baseline
▲ 0.50% · 4.625%
HK$56,216
+HK$3,225/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$105,982/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,473
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,961
−HK$1,510/mo
Today · 4.125%
HK$58,471
baseline
▲ 0.50% · 4.625%
HK$61,553
+HK$3,082/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$116,942/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,175
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,984
−HK$1,839/mo
Today · 4.125%
HK$61,823
baseline
▲ 0.50% · 4.625%
HK$65,585
+HK$3,762/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$123,646/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,719
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,455
−HK$1,761/mo
Today · 4.125%
HK$68,216
baseline
▲ 0.50% · 4.625%
HK$71,811
+HK$3,595/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$136,432/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,796
−HK$4,691/mo
▼ 0.25% · 3.875%
HK$77,123
−HK$2,364/mo
Today · 4.125%
HK$79,487
baseline
▲ 0.50% · 4.625%
HK$84,323
+HK$4,836/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$158,974/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,370 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,210
−HK$4,496/mo
▼ 0.25% · 3.875%
HK$85,442
−HK$2,264/mo
Today · 4.125%
HK$87,706
baseline
▲ 0.50% · 4.625%
HK$92,329
+HK$4,623/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$175,412/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,370 · Scale 2, in force from 26 Feb 2026)