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$41,573
−HK$2,607/mo
▼ 0.25% · 3.875%
HK$42,867
−HK$1,313/mo
Today · 4.125%
HK$44,180
baseline
▲ 0.50% · 4.625%
HK$46,869
+HK$2,689/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$88,360/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,250
−HK$2,499/mo
▼ 0.25% · 3.875%
HK$47,490
−HK$1,259/mo
Today · 4.125%
HK$48,749
baseline
▲ 0.50% · 4.625%
HK$51,318
+HK$2,569/mo
Deposit HK$9.12M · loan HK$9.12M · min. income ≈ HK$97,498/mo (50% DSR)
Upfront cash ≈ HK$9.80M (deposit + AVD stamp duty HK$683,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,888
−HK$3,128/mo
▼ 0.25% · 3.875%
HK$51,440
−HK$1,576/mo
Today · 4.125%
HK$53,016
baseline
▲ 0.50% · 4.625%
HK$56,242
+HK$3,226/mo
Deposit HK$7.29M · loan HK$10.94M · min. income ≈ HK$106,032/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$683,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,500
−HK$2,998/mo
▼ 0.25% · 3.875%
HK$56,988
−HK$1,510/mo
Today · 4.125%
HK$58,498
baseline
▲ 0.50% · 4.625%
HK$61,582
+HK$3,084/mo
Deposit HK$7.29M · loan HK$10.94M · min. income ≈ HK$116,996/mo (50% DSR)
Upfront cash ≈ HK$7.98M (deposit + AVD stamp duty HK$683,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,203
−HK$3,650/mo
▼ 0.25% · 3.875%
HK$60,013
−HK$1,840/mo
Today · 4.125%
HK$61,853
baseline
▲ 0.50% · 4.625%
HK$65,616
+HK$3,763/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$123,706/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,750
−HK$3,498/mo
▼ 0.25% · 3.875%
HK$66,487
−HK$1,761/mo
Today · 4.125%
HK$68,248
baseline
▲ 0.50% · 4.625%
HK$71,846
+HK$3,598/mo
Deposit HK$5.47M · loan HK$12.76M · min. income ≈ HK$136,496/mo (50% DSR)
Upfront cash ≈ HK$6.15M (deposit + AVD stamp duty HK$683,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,832
−HK$4,693/mo
▼ 0.25% · 3.875%
HK$77,160
−HK$2,365/mo
Today · 4.125%
HK$79,525
baseline
▲ 0.50% · 4.625%
HK$84,364
+HK$4,839/mo
Deposit HK$1.82M · loan HK$16.41M · min. income ≈ HK$159,050/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,697 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,250
−HK$4,498/mo
▼ 0.25% · 3.875%
HK$85,483
−HK$2,265/mo
Today · 4.125%
HK$87,748
baseline
▲ 0.50% · 4.625%
HK$92,373
+HK$4,625/mo
Deposit HK$1.82M · loan HK$16.41M · min. income ≈ HK$175,496/mo (50% DSR)
Upfront cash ≈ HK$2.51M (deposit + AVD stamp duty HK$683,697 · Scale 2, in force from 26 Feb 2026)