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$41,498
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,789
−HK$1,312/mo
Today · 4.125%
HK$44,101
baseline
▲ 0.50% · 4.625%
HK$46,784
+HK$2,683/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,202/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,166
−HK$2,495/mo
▼ 0.25% · 3.875%
HK$47,405
−HK$1,256/mo
Today · 4.125%
HK$48,661
baseline
▲ 0.50% · 4.625%
HK$51,226
+HK$2,565/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,322/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,798
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,347
−HK$1,574/mo
Today · 4.125%
HK$52,921
baseline
▲ 0.50% · 4.625%
HK$56,141
+HK$3,220/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$105,842/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,400
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,885
−HK$1,508/mo
Today · 4.125%
HK$58,393
baseline
▲ 0.50% · 4.625%
HK$61,471
+HK$3,078/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$116,786/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,098
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,905
−HK$1,836/mo
Today · 4.125%
HK$61,741
baseline
▲ 0.50% · 4.625%
HK$65,498
+HK$3,757/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$123,482/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,633
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,366
−HK$1,759/mo
Today · 4.125%
HK$68,125
baseline
▲ 0.50% · 4.625%
HK$71,716
+HK$3,591/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$136,250/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,697
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$77,020
−HK$2,361/mo
Today · 4.125%
HK$79,381
baseline
▲ 0.50% · 4.625%
HK$84,211
+HK$4,830/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$158,762/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,461 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,100
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$85,328
−HK$2,261/mo
Today · 4.125%
HK$87,589
baseline
▲ 0.50% · 4.625%
HK$92,206
+HK$4,617/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$175,178/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,461 · Scale 2, in force from 26 Feb 2026)