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$41,501
−HK$2,603/mo
▼ 0.25% · 3.875%
HK$42,792
−HK$1,312/mo
Today · 4.125%
HK$44,104
baseline
▲ 0.50% · 4.625%
HK$46,787
+HK$2,683/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$88,208/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$46,170
−HK$2,494/mo
▼ 0.25% · 3.875%
HK$47,408
−HK$1,256/mo
Today · 4.125%
HK$48,664
baseline
▲ 0.50% · 4.625%
HK$51,229
+HK$2,565/mo
Deposit HK$9.10M · loan HK$9.10M · min. income ≈ HK$97,328/mo (50% DSR)
Upfront cash ≈ HK$9.78M (deposit + AVD stamp duty HK$682,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$49,801
−HK$3,123/mo
▼ 0.25% · 3.875%
HK$51,350
−HK$1,574/mo
Today · 4.125%
HK$52,924
baseline
▲ 0.50% · 4.625%
HK$56,145
+HK$3,221/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$105,848/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$55,403
−HK$2,994/mo
▼ 0.25% · 3.875%
HK$56,889
−HK$1,508/mo
Today · 4.125%
HK$58,397
baseline
▲ 0.50% · 4.625%
HK$61,475
+HK$3,078/mo
Deposit HK$7.28M · loan HK$10.92M · min. income ≈ HK$116,794/mo (50% DSR)
Upfront cash ≈ HK$7.96M (deposit + AVD stamp duty HK$682,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$58,102
−HK$3,643/mo
▼ 0.25% · 3.875%
HK$59,909
−HK$1,836/mo
Today · 4.125%
HK$61,745
baseline
▲ 0.50% · 4.625%
HK$65,502
+HK$3,757/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$123,490/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$64,637
−HK$3,493/mo
▼ 0.25% · 3.875%
HK$66,371
−HK$1,759/mo
Today · 4.125%
HK$68,130
baseline
▲ 0.50% · 4.625%
HK$71,721
+HK$3,591/mo
Deposit HK$5.46M · loan HK$12.74M · min. income ≈ HK$136,260/mo (50% DSR)
Upfront cash ≈ HK$6.14M (deposit + AVD stamp duty HK$682,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$74,702
−HK$4,684/mo
▼ 0.25% · 3.875%
HK$77,026
−HK$2,360/mo
Today · 4.125%
HK$79,386
baseline
▲ 0.50% · 4.625%
HK$84,217
+HK$4,831/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$158,772/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,507 · Scale 2, in force from 26 Feb 2026)
▼ 0.50% · 3.625%
HK$83,105
−HK$4,490/mo
▼ 0.25% · 3.875%
HK$85,334
−HK$2,261/mo
Today · 4.125%
HK$87,595
baseline
▲ 0.50% · 4.625%
HK$92,212
+HK$4,617/mo
Deposit HK$1.82M · loan HK$16.38M · min. income ≈ HK$175,190/mo (50% DSR)
Upfront cash ≈ HK$2.50M (deposit + AVD stamp duty HK$682,507 · Scale 2, in force from 26 Feb 2026)