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$41,502
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,793
−HK$1,312/mo
Today · 4.125%
HK$44,105
baseline
▲ 0.50% · 4.625%
HK$46,788
+HK$2,683/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,210/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,171
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,409
−HK$1,256/mo
Today · 4.125%
HK$48,665
baseline
▲ 0.50% · 4.625%
HK$51,230
+HK$2,565/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,330/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,803
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,352
−HK$1,574/mo
Today · 4.125%
HK$52,926
baseline
▲ 0.50% · 4.625%
HK$56,146
+HK$3,220/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$105,852/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,405
−HK$2,993/mo
▼ 0.25% · 3.875%
HK$56,891
−HK$1,507/mo
Today · 4.125%
HK$58,398
baseline
▲ 0.50% · 4.625%
HK$61,477
+HK$3,079/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$116,796/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,103
−HK$3,644/mo
▼ 0.25% · 3.875%
HK$59,910
−HK$1,837/mo
Today · 4.125%
HK$61,747
baseline
▲ 0.50% · 4.625%
HK$65,504
+HK$3,757/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$123,494/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,639
−HK$3,492/mo
▼ 0.25% · 3.875%
HK$66,373
−HK$1,758/mo
Today · 4.125%
HK$68,131
baseline
▲ 0.50% · 4.625%
HK$71,723
+HK$3,592/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$136,262/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,704
−HK$4,685/mo
▼ 0.25% · 3.875%
HK$77,028
−HK$2,361/mo
Today · 4.125%
HK$79,389
baseline
▲ 0.50% · 4.625%
HK$84,219
+HK$4,830/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$158,778/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,526 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,107
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$85,336
−HK$2,261/mo
Today · 4.125%
HK$87,597
baseline
▲ 0.50% · 4.625%
HK$92,215
+HK$4,618/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$175,194/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,526 · Scale 2, in force from 26 Feb 2026)