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$41,549
−HK$2,605/mo
▼ 0.25% · 3.875%
HK$42,841
−HK$1,313/mo
Today · 4.125%
HK$44,154
baseline
▲ 0.50% · 4.625%
HK$46,841
+HK$2,687/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$88,308/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$683,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,222
−HK$2,498/mo
▼ 0.25% · 3.875%
HK$47,462
−HK$1,258/mo
Today · 4.125%
HK$48,720
baseline
▲ 0.50% · 4.625%
HK$51,288
+HK$2,568/mo
Deposit HK$9.11M · loan HK$9.11M · min. income ≈ HK$97,440/mo (50% DSR)
Upfront cash ≈ HK$9.79M (deposit + AVD stamp duty HK$683,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,858
−HK$3,127/mo
▼ 0.25% · 3.875%
HK$51,409
−HK$1,576/mo
Today · 4.125%
HK$52,985
baseline
▲ 0.50% · 4.625%
HK$56,209
+HK$3,224/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$105,970/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,467
−HK$2,997/mo
▼ 0.25% · 3.875%
HK$56,954
−HK$1,510/mo
Today · 4.125%
HK$58,464
baseline
▲ 0.50% · 4.625%
HK$61,545
+HK$3,081/mo
Deposit HK$7.29M · loan HK$10.93M · min. income ≈ HK$116,928/mo (50% DSR)
Upfront cash ≈ HK$7.97M (deposit + AVD stamp duty HK$683,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,168
−HK$3,648/mo
▼ 0.25% · 3.875%
HK$59,977
−HK$1,839/mo
Today · 4.125%
HK$61,816
baseline
▲ 0.50% · 4.625%
HK$65,577
+HK$3,761/mo
Deposit HK$5.47M · loan HK$12.75M · min. income ≈ HK$123,632/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,711
−HK$3,497/mo
▼ 0.25% · 3.875%
HK$66,447
−HK$1,761/mo
Today · 4.125%
HK$68,208
baseline
▲ 0.50% · 4.625%
HK$71,803
+HK$3,595/mo
Deposit HK$5.47M · loan HK$12.75M · min. income ≈ HK$136,416/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,788
−HK$4,689/mo
▼ 0.25% · 3.875%
HK$77,114
−HK$2,363/mo
Today · 4.125%
HK$79,477
baseline
▲ 0.50% · 4.625%
HK$84,313
+HK$4,836/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$158,954/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,289 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,200
−HK$4,495/mo
▼ 0.25% · 3.875%
HK$85,432
−HK$2,263/mo
Today · 4.125%
HK$87,695
baseline
▲ 0.50% · 4.625%
HK$92,318
+HK$4,623/mo
Deposit HK$1.82M · loan HK$16.40M · min. income ≈ HK$175,390/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,289 · Scale 2, in force from 26 Feb 2026)