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$41,486
−HK$2,602/mo
▼ 0.25% · 3.875%
HK$42,777
−HK$1,311/mo
Today · 4.125%
HK$44,088
baseline
▲ 0.50% · 4.625%
HK$46,770
+HK$2,682/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,176/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,153
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,391
−HK$1,256/mo
Today · 4.125%
HK$48,647
baseline
▲ 0.50% · 4.625%
HK$51,211
+HK$2,564/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,294/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,783
−HK$3,122/mo
▼ 0.25% · 3.875%
HK$51,332
−HK$1,573/mo
Today · 4.125%
HK$52,905
baseline
▲ 0.50% · 4.625%
HK$56,125
+HK$3,220/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$105,810/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,384
−HK$2,992/mo
▼ 0.25% · 3.875%
HK$56,869
−HK$1,507/mo
Today · 4.125%
HK$58,376
baseline
▲ 0.50% · 4.625%
HK$61,453
+HK$3,077/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$116,752/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,081
−HK$3,642/mo
▼ 0.25% · 3.875%
HK$59,887
−HK$1,836/mo
Today · 4.125%
HK$61,723
baseline
▲ 0.50% · 4.625%
HK$65,479
+HK$3,756/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$123,446/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,614
−HK$3,491/mo
▼ 0.25% · 3.875%
HK$66,347
−HK$1,758/mo
Today · 4.125%
HK$68,105
baseline
▲ 0.50% · 4.625%
HK$71,695
+HK$3,590/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$136,210/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,675
−HK$4,683/mo
▼ 0.25% · 3.875%
HK$76,998
−HK$2,360/mo
Today · 4.125%
HK$79,358
baseline
▲ 0.50% · 4.625%
HK$84,187
+HK$4,829/mo
Deposit HK$1.82M · loan HK$16.37M · min. income ≈ HK$158,716/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,263 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,075
−HK$4,489/mo
▼ 0.25% · 3.875%
HK$85,303
−HK$2,261/mo
Today · 4.125%
HK$87,564
baseline
▲ 0.50% · 4.625%
HK$92,179
+HK$4,615/mo
Deposit HK$1.82M · loan HK$16.37M · min. income ≈ HK$175,128/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,263 · Scale 2, in force from 26 Feb 2026)